Barclays vs. Neighbors Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BarclaysTiered Savings Jan 21, 2026 | Neighbors BankNeighbors Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.85% - 4.00% | 4.20% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$210 $10,000+$420 $25,000+$1,050 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | Balances up to $250,000 earn 4.20% APY. Anything above will earn 0.05% APY. |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android App | FDIC InsuredNo MinimumsGreat Android AppIn-Person Access |
Comparison Analysis
Comparing Barclays vs. Neighbors Bank
As of Barclays offers an APY of 4.00% for its Tiered Savings account, with a minimum balance of $250,000, compared to Neighbors Bank's 4.20% APY for its Neighbors Savings Account, with a minimum balance of $0.
Neighbors Bank pays $35 more than Barclays on a $10,000 balance after one year. Barclays pays $385 (with an effective APY of 3.85%), while Neighbors Bank pays $420 - an APY advantage for Neighbors Bank.
In addition, Barclays also offers 3.60% APY for the Online Savings account, with a minimum balance of Enough to earn $0.01 in interest.
Why Barclays?
- ✓No checking account or direct deposit required
- ✓Higher rated iOS app (4.9 vs 3.3)
- ✓Offers 2 different high-yield savings options
- ✓Available Nationwide
Why Neighbors Bank?
- ✓Higher potential APY (4.20% vs 3.60%-4.00%) on all balances
- ✓Physical branch access (One location in Columbia, Missouri)
— Key Feature Differences —
Better Returns at $10,000
Neighbors BankNeighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $420 vs $385/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1050 vs $963/yr).
Best for Simplicity
BarclaysBarclays's Online Savings offers 3.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
BarclaysBarclays offers an iOS app rated 4.9 (vs. 3.3) and Android app rated 4.7 (vs. 4.4)
Shared Benefits
Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $35 more interest on a $10,000 balance than Barclays's Tiered Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Neighbors Bank offers a competitive Neighbors Savings Account with a 4.20% APY for balances up to $250,000, making it the highest-yielding option compared to Barclays' Tiered Savings, which provides a 4.00% APY for balances over $250,000 and 3.85% for lower amounts. Both accounts have no maintenance fees and do not require direct deposit. However, Neighbors Bank's account is not available in Delaware, while Barclays operates online only. For those seeking simplicity, Barclays' Online Savings offers a lower 3.60% APY without any balance requirements.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
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Barclays vs. Neighbors Bank Savings Calculator
You earn $35 more with Neighbors Bank than Barclays on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Barclays
Tiered Savings
Higher APY requires $250,000
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
Neighbors Bank
Neighbors Savings Account
4.20% on first $250,000 and 0.05% thereafter.
Savings Breakdown
- Interest Earned+$420.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,420.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Barclays | Neighbors Bank |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 4.20% Verified: 1/21/2026 ↘︎ 0.30%90d Change |
| Product Name | Tiered Savings | Neighbors Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $250,000 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.7 | iOS3.3 Android4.4 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | Balances up to $250,000 earn 4.20% APY. Anything above will earn 0.05% APY. |
| Next Steps | Visit SiteVerify at Barclays Non-sponsored link to official site | Visit SiteVerify at Neighbors Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Neighbors Bank | |
|---|---|---|---|
| Online Savings | Tiered Savings | Neighbors Savings Account | |
Current APY | 3.60% | 4.00% | 4.20% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.6 | -3.7 | -3.0 |
Days Since Change | 56 | 63 | 6 |
11-Month High | 3.90% | 4.40% | 4.75% |
11-Month Low | 3.60% | 4.00% | 4.20% |
Adjustments / Mo | 0.46 | 0.55 | 0.36 |
Volatility Score | 0.025 | 0.032 | 0.027 |
How to read these metrics(Click to expand)
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