Bread Savings vs. Neighbors Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Bread Savings
High-Yield Savings Account
4.10%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Bread Savings
High-Yield Savings Account
Neighbors Bank
Neighbors Savings Account
4.30%APYDec 10, 2025FDIC InsuredNo MinimumsGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Neighbors Bank
Neighbors Savings Account
Bread Savings vs. Neighbors Bank Savings Calculator
Neighbors Bank earns $130 more than Bread Savings.
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
Neighbors Bank
Neighbors Savings Account
Savings Breakdown
- Interest Earned+$2,629.40(12.7%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,629.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Bread Savings vs. Neighbors Bank
Why Bread Savings?
- ✓Higher rated iOS app (4.7 vs 3.3)
- ✓Available Nationwide
Why Neighbors Bank?
- ✓Higher potential APY (4.30% vs 4.10%) 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. $430 vs $410/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1075 vs $1025/yr).
Best for Simplicity
Neighbors BankNeighbors Bank's Neighbors Savings Account offers 4.30% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $20 more interest on a $10,000 balance than Bread Savings's High-Yield Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Neighbors Bank offers a competitive Neighbors Savings Account with an APY of 4.30%, making it the winner in this comparison. This account allows for balances up to $250,000 to earn the same rate, with no maintenance fees or minimum deposit requirements, though it is not available in Delaware. In contrast, Bread Savings features a High-Yield Savings Account that provides a slightly lower APY of 4.10%, also with no maintenance fees and a minimum deposit of $100. Both accounts are online-only, but Neighbors Bank's product stands out for its higher yield 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.
Top Market Contenders
See who beats both Bread Savings and Neighbors Bank.
| Feature | Bread Savings | Neighbors Bank |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 4.30% Verified: 12/10/2025 ↘︎ 0.30%90d Change |
| Product Name | High-Yield Savings Account | Neighbors Savings Account |
| Minimum Deposit | $100 | $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 | A+ | A+ |
| Important Notes | - | Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | Neighbors Bank |
|---|---|---|
| High-Yield Savings Account | Neighbors Savings Account | |
Current APY | 4.10% | 4.30% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.7 | -1.6 |
Days Since Change | 5 | 0 |
9-Month High | 4.40% | 4.75% |
9-Month Low | 4.10% | 4.30% |
Adjustments / Mo | 0.63 | 0.31 |
Volatility Score | 0.019 | 0.013 |
How to read these metrics(Click to expand)
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