Barclays vs. Neighbors Bank
Comparing Barclays and Neighbors Bank for high-yield savings: Barclays's Tiered Savings pays 3.75% APY while Neighbors Bank's Neighbors Savings Account pays 4.10% APY.
Note: Neighbors Bank caps its top rate at $250,000.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Neighbors Bank pays $45 more than Barclays annually ($410 vs $365).
Choose Barclays if you want a no-strings-attached account, or you're an iPhone user. Choose Neighbors Bank if getting the best rate matters most, or you value in-person banking.
| Metric | BarclaysTiered Savings Jun 5, 2026 | Neighbors BankNeighbors Savings Account Jun 5, 2026 |
|---|---|---|
| APY | 3.65% - 3.75% | 4.10% |
Est. Earnings | $5,000+$183 $10,000+$365 $25,000+$912 | $5,000+$205 $10,000+$410 $25,000+$1,025 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The 3.75% APY is only available for balances over $250,000. For lower balances, the APY is 3.65%. | Balances up to $250,000 earn 4.10% APY. Anything above will earn 0.05% APY. |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat Android AppIn-Person AccessRate Changes Often |
Comparison Analysis
Comparing Barclays vs. Neighbors Bank
Executive Summary
Neighbors Bank offers a competitive Neighbors Savings Account with a higher APY of 4.10% for balances up to $250,000, making it an attractive option for savers. In contrast, Barclays provides a Tiered Savings account with a maximum APY of 3.75%, available only for balances over $250,000, while lower balances earn 3.65%. Both banks have no maintenance fees and do not require direct deposits. However, Neighbors Bank's account is not available in Delaware, whereas Barclays operates online only. For those looking for higher returns, Neighbors Bank is the clear winner.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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 (4.10% vs 3.40%-3.75%) 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. $410 vs $365/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1025 vs $912/yr).
Best for Simplicity
BarclaysBarclays's Online Savings offers 3.40% 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 $45 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Barclays vs. Neighbors Bank Savings Calculator
You earn $45 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+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
Neighbors Bank
Neighbors Savings Account
4.10% on first $250,000 and 0.05% thereafter.
Savings Breakdown
- Interest Earned+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $364 per year in interest.
Both Barclays and Neighbors Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Barclays | Neighbors Bank |
|---|---|---|
| APY | 3.75% Range: 3.65% - 3.75% Verified: 6/5/2026 ↘︎ 0.10%90d Change | 4.10% Verified: 6/5/2026 ↘︎ 0.10%90d Change |
| Product Name | Tiered Savings | Neighbors Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $250,000 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | N/A |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | None | One location in Columbia, Missouri |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | The 3.75% APY is only available for balances over $250,000. For lower balances, the APY is 3.65%. | Balances up to $250,000 earn 4.10% 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 | 3.40% | 3.75% | 4.10% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.8 | -3.7 | -5.2 |
Days Since Change | 30 | 51 | 31 |
12-Month High | 3.90% | 4.40% | 4.60% |
12-Month Low | 3.40% | 3.75% | 4.10% |
Adjustments / Mo | 0.49 | 0.49 | 0.33 |
Volatility Score | 0.028 | 0.034 | 0.043 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Barclays' APY of 3.75% with other banks
Compare Neighbors Bank's APY of 4.10% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Neighbors Bank vs Ally Bank | 3.10% | $0 |
| Neighbors Bank vs American Express | 3.10% | $0 |
| Neighbors Bank vs Axos Bank | 4.21% | $0 |
| Neighbors Bank vs Capital One | 3.00% | $0 |
| Neighbors Bank vs Chime | 3.00% | $0 |
| Neighbors Bank vs CIT Bank | 3.75% | $100 |
| Neighbors Bank vs Discover Bank | 3.30% | $0 |
| Neighbors Bank vs EverBank | 3.90% | $0 |
| Neighbors Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Neighbors Bank vs Newtek Bank | 4.20% | $0.01 |
| Neighbors Bank vs Openbank | 4.00% | $500 |
| Neighbors Bank vs Pibank | 4.40% | $0 |
| Neighbors Bank vs SoFi Bank | 3.80% | $0 |
| Neighbors Bank vs Synchrony Bank | 3.40% | $0 |
| Neighbors Bank vs Varo Bank | 5.00% | $0 |
| Neighbors Bank vs Wealthfront | 4.20% | $0 |