High-Yield Savings Account Comparison

Bask Bank vs. Neighbors Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl

Updated December 6, 2025

Advertising Disclosure: We may earn a commission from partner links.

Bask Bank

Interest Savings Account

3.90%

APY

Dec 6, 2025

FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	Daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 34383)
Eligibility	United States
Mobile Ratings	iOS:4.7 Android:4.5
BBB Rating	B(Not BBB Accredited)

Rate Stability

30 days

↘︎ 0.15%

90 days

↘︎ 0.25%

Read Bank Overview

Neighbors Bank

Neighbors Savings Account

4.50%

APY

Dec 6, 2025

FDIC InsuredNo MinimumsGreat Android AppIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Branch Access	One location in Columbia, Missouri
Deposit Insurance	FDIC Insured(Cert: 16247)
Eligibility	Not available in Delaware.
Mobile Ratings	iOS:3.3 Android:4.4
BBB Rating	A+(BBB Accredited)

Important Note

Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY.

Rate Stability

Rate Adjusted

-0.10%

Since 90 days ago

Read Bank Overview

Comparison Analysis

Comparing Bask Bank vs. Neighbors Bank

Updated: Dec 6, 2025

Why Bask Bank?

✓Higher rated iOS app (4.7 vs 3.3)
✓Available Nationwide

Why Neighbors Bank?

✓Higher potential APY (4.50% vs 3.90%) on all balances
✓Physical branch access (One location in Columbia, Missouri)

— Key Feature Differences —

Better Returns at $10,000

Neighbors Bank

Neighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $450 vs $390/yr).

Better Returns at $25,000

Neighbors Bank

Neighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1125 vs $975/yr).

Best for Simplicity

Neighbors Bank

Neighbors Bank's Neighbors Savings Account offers 4.50% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience

Bask Bank

Bask Bank offers an iOS app rated 4.7 (vs. 3.3) and Android app rated 4.5 (vs. 4.4)

Shared Benefits

Both offer monthly maintenance-free account options Both banks have options with $0 opening deposit Available to New & Existing Customers

The Bottom Line

Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $60 more interest on a $10,000 balance than Bask Bank's Interest Savings Account.

Bask BankNeighbors Bank

Automated Data Audit

Executive Summary

Neighbors Bank offers a competitive Neighbors Savings Account with a notable 4.50% APY, making it the winner in this comparison. This account allows balances up to $250,000 to earn the same high rate, with anything above that earning a lower rate of 0.05%. In contrast, Bask Bank's Interest Savings Account provides a 3.90% APY, which is lower and is an online-only product. Both banks have no maintenance fees or minimum balance requirements, and neither requires direct deposit. However, Neighbors Bank is not available in Delaware, while Bask Bank does not have such restrictions.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExploreBask Bank ExploreNeighbors Bank

Top Market Contenders

See who beats both Bask Bank and Neighbors Bank.

Compare All High-Yield Savings Accounts

Pibank

Pibank Savings

FDIC InsuredNo Minimums

4.60% APY

+0.10% vs Neighbors Bank

Better Rate

Pibank vs Bask Bank Pibank vs Neighbors Bank

Feature	Bask Bank	Neighbors Bank
APY	3.90% Verified: 12/6/2025 ↘︎ 0.25%90d Change	4.50% Verified: 12/6/2025 ↘︎ 0.10%90d Change
Product Name	Interest Savings Account	Neighbors Savings Account
Minimum Deposit	$0	$0
Min. Balance for APY	$0	$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	iOS4.7 Android4.5	iOS3.3 Android4.4
BBB Rating	B	A+
Important Notes	-	Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY.
Next Steps	- View Details	- View Details

Savings Comparison

Calculations based on current APY.

Initial Deposit

Recurring Deposit

Frequency

Duration

Neighbors Bank earns $389.9 more than Bask Bank.

Bask Bank

Interest Savings Account

3.90% APY

Savings Breakdown

Interest Earned
+$2,370.20(11.6%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,370.20

Effective APY

3.90%

View Details

Neighbors Bank

Neighbors Savings Account

4.50% APY

Savings Breakdown

Interest Earned
+$2,760.10(13.3%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,760.10

Effective APY

4.50%

View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 9 Months Analysis

Metric	Bask Bank	Neighbors Bank
	Interest Savings Account	Neighbors Savings Account
Current APYMost recent advertised annual-percentage yield.	3.90%	4.50%
TrendDirection over the last 9 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	-4.4	-1.5
Days Since ChangeRecency of the latest APY adjustment.	29	53
9-Month HighHighest APY in the last 283 days.	4.35%	4.75%
9-Month LowLowest APY in the last 283 days.	3.90%	4.50%
Adjustments / MoTypical number of APY moves per month.	0.42	0.21
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.033	0.012

How to read these metrics(Click to expand)

Trends & Velocity

Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

High/Low: The absolute ceiling and floor of the rate during the 283-day window.
Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

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More Comparisons

Compare Bask Bank's APY of 3.90% with other banks

Bank Pair	Competitor APY	Min Deposit
Bask Bank vs Ally Bank	3.30%	$0
Bask Bank vs American Express	3.40%	$0
Bask Bank vs Axos Bank	4.31%	$0
Bask Bank vs Bank of America	0.01%	$100
Bask Bank vs Barclays	4.00%	$0
Bask Bank vs BMO Alto	3.25%	$0
Bask Bank vs BrioDirect	4.00%	$5,000
Bask Bank vs Capital One	3.40%	$0
Bask Bank vs Chase Bank	0.01%	$0
Bask Bank vs Chime	3.50%	$0
Bask Bank vs CIT Bank	3.75%	$100
Bask Bank vs Citibank	3.30%	$0
Bask Bank vs Citizens Access™	3.35%	$0.01
Bask Bank vs Climate First Bank	4.21%	$50
Bask Bank vs Discover Bank	3.40%	$0
Bask Bank vs Elevault	4.08%	$0
Bask Bank vs EverBank	4.05%	$0
Bask Bank vs Fitness Bank	4.75%	$100
Bask Bank vs FNBO Direct	3.00%	$1
Bask Bank vs Forbright Bank	4.00%	$0
Bask Bank vs FVCbank	3.85%	$500
Bask Bank vs GO2bank	4.50%	$0
Bask Bank vs Ivy Bank	4.25%	$2,500
Bask Bank vs LendingClub	4.20%	$0
Bask Bank vs Marcus by Goldman Sachs	3.65%	$0
Bask Bank vs Newtek Bank	4.35%	$0.01
Bask Bank vs Openbank	4.20%	$500
Bask Bank vs Peak Bank	4.20%	$100
Bask Bank vs Pibank	4.60%	$0
Bask Bank vs PNC	3.53%	$0
Bask Bank vs Presidential Bank	4.00%	$5,000
Bask Bank vs Quontic Bank	3.75%	$100
Bask Bank vs Salem Five Direct	3.71%	$10
Bask Bank vs Santander Bank	0.01%	$25
Bask Bank vs SoFi Bank	4.30%	$0
Bask Bank vs Synchrony Bank	3.65%	$0
Bask Bank vs TIMBR	4.40%	$1,000
Bask Bank vs UFB Direct	3.71%	$5000
Bask Bank vs Valley Direct	4.10%	$1,000
Bask Bank vs Varo Bank	5.00%	$0
Bask Bank vs Vio Bank	4.16%	$100
Bask Bank vs Wealthfront	4.15%	$0
Bask Bank vs Wells Fargo	0.05%	$25
Bask Bank vs Zynlo Bank	4.05%	$10

Compare Neighbors Bank's APY of 4.50% with other banks

Bank Pair	Competitor APY	Min Deposit
Neighbors Bank vs Ally Bank	3.30%	$0
Neighbors Bank vs American Express	3.40%	$0
Neighbors Bank vs Axos Bank	4.31%	$0
Neighbors Bank vs Bank of America	0.01%	$100
Neighbors Bank vs Barclays	4.00%	$0
Neighbors Bank vs BMO Alto	3.25%	$0
Neighbors Bank vs BrioDirect	4.00%	$5,000
Neighbors Bank vs Capital One	3.40%	$0
Neighbors Bank vs Chase Bank	0.01%	$0
Neighbors Bank vs Chime	3.50%	$0
Neighbors Bank vs CIT Bank	3.75%	$100
Neighbors Bank vs Citibank	3.30%	$0
Neighbors Bank vs Citizens Access™	3.35%	$0.01
Neighbors Bank vs Climate First Bank	4.21%	$50
Neighbors Bank vs Discover Bank	3.40%	$0
Neighbors Bank vs Elevault	4.08%	$0
Neighbors Bank vs EverBank	4.05%	$0
Neighbors Bank vs Fitness Bank	4.75%	$100
Neighbors Bank vs FNBO Direct	3.00%	$1
Neighbors Bank vs Forbright Bank	4.00%	$0
Neighbors Bank vs FVCbank	3.85%	$500
Neighbors Bank vs GO2bank	4.50%	$0
Neighbors Bank vs Ivy Bank	4.25%	$2,500
Neighbors Bank vs LendingClub	4.20%	$0
Neighbors Bank vs Marcus by Goldman Sachs	3.65%	$0
Neighbors Bank vs Newtek Bank	4.35%	$0.01
Neighbors Bank vs Openbank	4.20%	$500
Neighbors Bank vs Peak Bank	4.20%	$100
Neighbors Bank vs Pibank	4.60%	$0
Neighbors Bank vs PNC	3.53%	$0
Neighbors Bank vs Presidential Bank	4.00%	$5,000
Neighbors Bank vs Quontic Bank	3.75%	$100
Neighbors Bank vs Salem Five Direct	3.71%	$10
Neighbors Bank vs Santander Bank	0.01%	$25
Neighbors Bank vs SoFi Bank	4.30%	$0
Neighbors Bank vs Synchrony Bank	3.65%	$0
Neighbors Bank vs TIMBR	4.40%	$1,000
Neighbors Bank vs UFB Direct	3.71%	$5000
Neighbors Bank vs Valley Direct	4.10%	$1,000
Neighbors Bank vs Varo Bank	5.00%	$0
Neighbors Bank vs Vio Bank	4.16%	$100
Neighbors Bank vs Wealthfront	4.15%	$0
Neighbors Bank vs Wells Fargo	0.05%	$25
Neighbors Bank vs Zynlo Bank	4.05%	$10