High-Yield Savings Account Comparison

Betterment vs. Neighbors Bank

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

Analysis by Aviel Fahl
Updated December 10, 2025

Betterment

Cash Reserve

3.50%
APY
Dec 10, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$10
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.7
BBB Rating
A-(BBB Accredited)

Rate Stability

Rate Adjusted
-0.50%
Since 90 days ago
Read Bank Overview

Neighbors Bank

Neighbors Savings Account

4.30%
APY
Dec 10, 2025
FDIC InsuredNo MinimumsGreat Android AppIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Branch AccessOne location in Columbia, Missouri
Deposit InsuranceFDIC Insured(Cert: 16247)
EligibilityNot available in Delaware.
Mobile Ratings
iOS:3.3Android:4.4
BBB Rating
A+(BBB Accredited)

Important Note

Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY.

Rate Stability

7 days
↘︎ 0.20%
90 days
↘︎ 0.30%
Read Bank Overview

Betterment vs. Neighbors Bank Savings Calculator

Calculations based on current APY for Cash Reserve and Neighbors Savings Account
$
$

Neighbors Bank earns $515.3 more than Betterment.

Betterment

Cash Reserve

3.50% APY

Savings Breakdown

  • Interest Earned
    +$2,114.10(10.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,114.10

Effective APY
3.50%
View Details

Neighbors Bank

Neighbors Savings Account

4.30% APY

Savings Breakdown

  • Interest Earned
    +$2,629.40(12.7%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,629.40

Effective APY
4.30%
View Details

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

Comparison Analysis

Comparing Betterment vs. Neighbors Bank

Updated: Dec 10, 2025

Why Betterment?

  • ✓Higher rated iOS app (4.8 vs 3.3)
  • ✓Higher rated Android app (4.7 vs 4.4)
  • ✓Available Nationwide

Why Neighbors Bank?

  • ✓Higher potential APY (4.30% vs 3.50%) 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. $430 vs $350/yr).

Better Returns at $25,000
Neighbors Bank

Neighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1075 vs $875/yr).

Best for Simplicity
Neighbors Bank

Neighbors Bank's Neighbors Savings Account offers 4.30% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
Betterment

Betterment offers an iOS app rated 4.8 (vs. 3.3) and Android app rated 4.7 (vs. 4.4)

Shared Benefits

Both offer monthly maintenance-free account options Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $80 more interest on a $10,000 balance than Betterment's Cash Reserve.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

BettermentNeighbors Bank
Automated Data Audit

Executive Summary

Neighbors Bank offers a competitive Neighbors Savings Account with a higher APY of 4.30%, making it the winner in this comparison. This account allows balances up to $250,000 to earn the full rate, with anything above that earning 0.05% APY. Additionally, it has no minimum deposit or maintenance fees and does not require direct deposit. In contrast, Betterment's Cash Reserve provides a lower APY of 3.50% and is an online-only product, but it features a highly rated mobile app experience. Overall, Neighbors Bank stands out for its superior APY and simplicity.

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.

ExploreBettermentExploreNeighbors Bank

Top Market Contenders

See who beats both Betterment and Neighbors Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.30% vs Neighbors Bank
Better Rate
Pibank vs BettermentPibank vs Neighbors Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
Better Rate
Axos Bank vs BettermentAxos Bank vs Neighbors Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.10% vs Neighbors Bank
Better Rate
TIMBR vs BettermentTIMBR vs Neighbors Bank
FeatureBettermentNeighbors Bank
APY
3.50%
Verified: 12/10/2025
↘︎ 0.50%90d Change
4.30%
Verified: 12/10/2025
↘︎ 0.30%90d Change
Product NameCash ReserveNeighbors Savings Account
Minimum Deposit$10$0
Min. Balance for APY$0$0
Monthly Fee$0$0
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.8
Android4.7
iOS3.3
Android4.4
BBB RatingA-A+
Important Notes-Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY.
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 9 Months Analysis
MetricBettermentNeighbors Bank
Cash ReserveNeighbors Savings Account
Current APY
3.50%4.30%
Trend
 Stable Stable
Velocity (bps/mo)
-5.4-1.6
Days Since Change
390
9-Month High
4.00%4.75%
9-Month Low
3.50%4.30%
Adjustments / Mo
0.210.31
Volatility Score
0.0510.013
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 288-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.

Compare Similar High-Yield Accounts

Compare Betterment vs...

Comparing against Standard Savings

vs Betterment
PibankNo Bundle Req
4.60%
APY
vs Betterment
TIMBRNo Bundle Req
4.40%
APY
vs Betterment
Newtek BankNo Bundle Req
4.35%
APY

Compare Neighbors Bank vs...

Comparing against Standard Savings

vs Neighbors Bank
PibankNo Bundle Req
4.60%
APY
vs Neighbors Bank
TIMBRNo Bundle Req
4.40%
APY
vs Neighbors Bank
Newtek BankNo Bundle Req
4.35%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare Betterment's APY of 3.50% with other banks
Bank PairCompetitor APYMin Deposit
Betterment vs Affirm3.60%$0
Betterment vs Ally Bank3.30%$0
Betterment vs American Express3.40%$0
Betterment vs Axos Bank4.31%$0
Betterment vs Bank of America0.01%$100
Betterment vs Barclays4.00%$0
Betterment vs Bask Bank3.90%$0
Betterment vs BMO Alto3.25%$0
Betterment vs Bread Savings4.10%$100
Betterment vs BrioDirect4.00%$5,000
Betterment vs Capital One3.40%$0
Betterment vs Charles Schwab Bank0.15%$0
Betterment vs Chase Bank0.01%$0
Betterment vs Chime3.50%$0
Betterment vs CIT Bank3.75%$100
Betterment vs Citibank3.30%$0
Betterment vs Citizens Access™3.15%$0.01
Betterment vs Climate First Bank4.21%$50
Betterment vs Discover Bank3.40%$0
Betterment vs E*TRADE from Morgan Stanley3.75%$0
Betterment vs Elevault4.08%$0
Betterment vs EverBank4.05%$0
Betterment vs Fitness Bank4.75%$100
Betterment vs FNBO Direct3.00%$1
Betterment vs Forbright Bank4.00%$0
Betterment vs FVCbank3.85%$500
Betterment vs GO2bank4.50%$0
Betterment vs Ivy Bank4.25%$2,500
Betterment vs LendingClub4.20%$0
Betterment vs Marcus by Goldman Sachs3.65%$0
Betterment vs Newtek Bank4.35%$0.01
Betterment vs Openbank4.20%$500
Betterment vs Peak Bank4.20%$100
Betterment vs Pibank4.60%$0
Betterment vs PNC3.53%$0
Betterment vs Presidential Bank4.00%$5,000
Betterment vs Quontic Bank3.75%$100
Betterment vs Salem Five Direct3.71%$10
Betterment vs Sallie Mae Bank3.90%$0
Betterment vs Santander Bank0.01%$25
Betterment vs SoFi Bank4.30%$0
Betterment vs Synchrony Bank3.65%$0
Betterment vs TD Bank2.75%$0
Betterment vs TIMBR4.40%$1,000
Betterment vs UFB Direct3.71%$5000
Betterment vs Upgrade3.05%$0
Betterment vs Valley Direct4.10%$1,000
Betterment vs Varo Bank5.00%$0
Betterment vs Vio Bank4.16%$100
Betterment vs Wealthfront4.15%$0
Betterment vs Wells Fargo0.05%$25
Betterment vs Zynlo Bank4.05%$10
Compare Neighbors Bank's APY of 4.30% with other banks
Bank PairCompetitor APYMin Deposit
Neighbors Bank vs Affirm3.60%$0
Neighbors Bank vs Ally Bank3.30%$0
Neighbors Bank vs American Express3.40%$0
Neighbors Bank vs Axos Bank4.31%$0
Neighbors Bank vs Bank of America0.01%$100
Neighbors Bank vs Barclays4.00%$0
Neighbors Bank vs Bask Bank3.90%$0
Neighbors Bank vs BMO Alto3.25%$0
Neighbors Bank vs Bread Savings4.10%$100
Neighbors Bank vs BrioDirect4.00%$5,000
Neighbors Bank vs Capital One3.40%$0
Neighbors Bank vs Charles Schwab Bank0.15%$0
Neighbors Bank vs Chase Bank0.01%$0
Neighbors Bank vs Chime3.50%$0
Neighbors Bank vs CIT Bank3.75%$100
Neighbors Bank vs Citibank3.30%$0
Neighbors Bank vs Citizens Access™3.15%$0.01
Neighbors Bank vs Climate First Bank4.21%$50
Neighbors Bank vs Discover Bank3.40%$0
Neighbors Bank vs E*TRADE from Morgan Stanley3.75%$0
Neighbors Bank vs Elevault4.08%$0
Neighbors Bank vs EverBank4.05%$0
Neighbors Bank vs Fitness Bank4.75%$100
Neighbors Bank vs FNBO Direct3.00%$1
Neighbors Bank vs Forbright Bank4.00%$0
Neighbors Bank vs FVCbank3.85%$500
Neighbors Bank vs GO2bank4.50%$0
Neighbors Bank vs Ivy Bank4.25%$2,500
Neighbors Bank vs LendingClub4.20%$0
Neighbors Bank vs Marcus by Goldman Sachs3.65%$0
Neighbors Bank vs Newtek Bank4.35%$0.01
Neighbors Bank vs Openbank4.20%$500
Neighbors Bank vs Peak Bank4.20%$100
Neighbors Bank vs Pibank4.60%$0
Neighbors Bank vs PNC3.53%$0
Neighbors Bank vs Presidential Bank4.00%$5,000
Neighbors Bank vs Quontic Bank3.75%$100
Neighbors Bank vs Salem Five Direct3.71%$10
Neighbors Bank vs Sallie Mae Bank3.90%$0
Neighbors Bank vs Santander Bank0.01%$25
Neighbors Bank vs SoFi Bank4.30%$0
Neighbors Bank vs Synchrony Bank3.65%$0
Neighbors Bank vs TD Bank2.75%$0
Neighbors Bank vs TIMBR4.40%$1,000
Neighbors Bank vs UFB Direct3.71%$5000
Neighbors Bank vs Upgrade3.05%$0
Neighbors Bank vs Valley Direct4.10%$1,000
Neighbors Bank vs Varo Bank5.00%$0
Neighbors Bank vs Vio Bank4.16%$100
Neighbors Bank vs Wealthfront4.15%$0
Neighbors Bank vs Wells Fargo0.05%$25
Neighbors Bank vs Zynlo Bank4.05%$10