High-Yield Savings Account Comparison

BrioDirect 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.

BrioDirect

High-Yield Savings Account

4.00%
APY
Dec 6, 2025
FDIC InsuredMod. MinimumGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$5,000
Min. Balance$25
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18221)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.3
BBB Rating
B-(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.30%
Since 90 days ago
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 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 4.50% APY. Anything above will earn 0.05% APY.

Rate Stability

Rate Adjusted
-0.10%
Since 90 days ago
Read Bank Overview

Comparison Analysis

Comparing BrioDirect vs. Neighbors Bank

Updated: Dec 6, 2025

Why BrioDirect?

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

Why Neighbors Bank?

  • ✓Higher potential APY (4.50% vs 4.00%) 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 $400/yr).

Better Returns at $25,000
Neighbors Bank

Neighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1125 vs $1000/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
BrioDirect

BrioDirect offers an iOS app rated 4.7 (vs. 3.3) and Android app rated 4.3 (vs. 4.4)

Shared Benefits

Both offer monthly maintenance-free account options Available to New & Existing Customers
The Bottom Line

Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $50 more interest on a $10,000 balance than BrioDirect's High-Yield Savings Account.

BrioDirectNeighbors Bank
Automated Data Audit

Executive Summary

Neighbors Bank offers a Neighbors Savings Account with a competitive APY of 4.50%, making it the winner in this comparison. This account provides better returns for both smaller and larger deposits, with no minimum balance requirement and no maintenance fees. In contrast, BrioDirect's High-Yield Savings Account offers a slightly lower APY of 4.00% and requires a minimum deposit of $5,000. While BrioDirect features an excellent mobile app experience, it is an online-only bank. Notably, the Neighbors Savings Account is not available in Delaware, but it is a straightforward option without any direct deposit requirements.

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.

ExploreBrioDirectExploreNeighbors Bank

Top Market Contenders

See who beats both BrioDirect 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 BrioDirectPibank vs Neighbors Bank
FeatureBrioDirectNeighbors Bank
APY
4.00%
Verified: 12/6/2025
↘︎ 0.30%90d Change
4.50%
Verified: 12/6/2025
↘︎ 0.10%90d Change
Product NameHigh-Yield Savings AccountNeighbors Savings Account
Minimum Deposit$5,000$0
Min. Balance for APY$25$0
Monthly Fee$0$0
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.7
Android4.3
iOS3.3
Android4.4
BBB RatingB-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.
$
$

Neighbors Bank earns $325.4 more than BrioDirect.

BrioDirect

High-Yield Savings Account

4.00% APY

Savings Breakdown

  • Interest Earned
    +$2,434.70(11.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,434.70

Effective APY
4.00%
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
MetricBrioDirectNeighbors Bank
High-Yield Savings AccountNeighbors Savings Account
Current APY
4.00%4.50%
Trend
 Stable Stable
Velocity (bps/mo)
-5.1-1.5
Days Since Change
3653
9-Month High
4.55%4.75%
9-Month Low
4.00%4.50%
Adjustments / Mo
0.640.21
Volatility Score
0.0370.012
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.

Compare Similar High-Yield Accounts

Compare BrioDirect vs...

Comparing against Standard Savings

vs BrioDirect
PibankNo Bundle Req
4.60%
APY
vs BrioDirect
TIMBRNo Bundle Req
4.40%
APY
vs BrioDirect
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 BrioDirect's APY of 4.00% with other banks
Bank PairCompetitor APYMin Deposit
BrioDirect vs Ally Bank3.30%$0
BrioDirect vs American Express3.40%$0
BrioDirect vs Axos Bank4.31%$0
BrioDirect vs Bank of America0.01%$100
BrioDirect vs Barclays4.00%$0
BrioDirect vs Bask Bank3.90%$0
BrioDirect vs BMO Alto3.25%$0
BrioDirect vs Capital One3.40%$0
BrioDirect vs Chase Bank0.01%$0
BrioDirect vs Chime3.50%$0
BrioDirect vs CIT Bank3.75%$100
BrioDirect vs Citibank3.30%$0
BrioDirect vs Citizens Access™3.35%$0.01
BrioDirect vs Climate First Bank4.21%$50
BrioDirect vs Discover Bank3.40%$0
BrioDirect vs Elevault4.08%$0
BrioDirect vs EverBank4.05%$0
BrioDirect vs Fitness Bank4.75%$100
BrioDirect vs FNBO Direct3.00%$1
BrioDirect vs Forbright Bank4.00%$0
BrioDirect vs FVCbank3.85%$500
BrioDirect vs GO2bank4.50%$0
BrioDirect vs Ivy Bank4.25%$2,500
BrioDirect vs LendingClub4.20%$0
BrioDirect vs Marcus by Goldman Sachs3.65%$0
BrioDirect vs Newtek Bank4.35%$0.01
BrioDirect vs Openbank4.20%$500
BrioDirect vs Peak Bank4.20%$100
BrioDirect vs Pibank4.60%$0
BrioDirect vs PNC3.53%$0
BrioDirect vs Presidential Bank4.00%$5,000
BrioDirect vs Quontic Bank3.75%$100
BrioDirect vs Salem Five Direct3.71%$10
BrioDirect vs Santander Bank0.01%$25
BrioDirect vs SoFi Bank4.30%$0
BrioDirect vs Synchrony Bank3.65%$0
BrioDirect vs TIMBR4.40%$1,000
BrioDirect vs UFB Direct3.71%$5000
BrioDirect vs Valley Direct4.10%$1,000
BrioDirect vs Varo Bank5.00%$0
BrioDirect vs Vio Bank4.16%$100
BrioDirect vs Wealthfront4.15%$0
BrioDirect vs Wells Fargo0.05%$25
BrioDirect vs Zynlo Bank4.05%$10
Compare Neighbors Bank's APY of 4.50% with other banks
Bank PairCompetitor APYMin Deposit
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 Capital One3.40%$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™3.35%$0.01
Neighbors Bank vs Climate First Bank4.21%$50
Neighbors Bank vs Discover Bank3.40%$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 Santander Bank0.01%$25
Neighbors Bank vs SoFi Bank4.30%$0
Neighbors Bank vs Synchrony Bank3.65%$0
Neighbors Bank vs TIMBR4.40%$1,000
Neighbors Bank vs UFB Direct3.71%$5000
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