Capital One vs. Neighbors Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 21, 2026 | Neighbors BankNeighbors Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 4.20% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$210 $10,000+$420 $25,000+$1,050 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Balances up to $250,000 earn 4.20% APY. Anything above will earn 0.05% APY. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat Android AppIn-Person Access |
Comparison Analysis
Comparing Capital One vs. Neighbors Bank
As of Capital One offers an APY of 3.30% for its 360 Performance Savings account, with a minimum balance of $0, compared to Neighbors Bank's 4.20% APY for its Neighbors Savings Account, with a minimum balance of $0.
Neighbors Bank pays $90 more than Capital One on a $10,000 balance after one year. Capital One pays $330, while Neighbors Bank pays $420 - an APY advantage for Neighbors Bank.
Why Capital One?
- ✓No checking account or direct deposit required
- ✓Higher rated iOS app (4.9 vs 3.3)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
- ✓Available Nationwide
Why Neighbors Bank?
- ✓Higher potential APY (4.20% vs 3.30%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Neighbors BankNeighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $420 vs $330/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1050 vs $825/yr).
Best for Simplicity
Capital OneCapital One's 360 Performance Savings offers 3.30% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Capital OneCapital One offers an iOS app rated 4.9 (vs. 3.3) and Android app rated 4.5 (vs. 4.4)
Shared Benefits
Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $90 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Neighbors Bank offers a competitive Neighbors Savings Account with an APY of 4.20%, significantly higher than Capital One's 360 Performance Savings, which provides an APY of 3.30%. Both accounts require no minimum deposit or maintenance fees and do not mandate direct deposit. However, Neighbors Bank's account has a cap where balances above $250,000 earn a lower APY of 0.05%. Notably, Neighbors Bank's account is not available in Delaware, while Capital One's account is accessible to all. For those seeking simplicity, Capital One remains a viable option.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
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Top Market Contenders
Capital One vs. Neighbors Bank Savings Calculator
You earn $90 more with Neighbors Bank than Capital One 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.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
Neighbors Bank
Neighbors Savings Account
4.20% on first $250,000 and 0.05% thereafter.
Savings Breakdown
- Interest Earned+$420.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,420.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | Neighbors Bank |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 4.20% Verified: 1/21/2026 ↘︎ 0.30%90d Change |
| Product Name | 360 Performance Savings | Neighbors Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.5 | iOS3.3 Android4.4 |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | - | Balances up to $250,000 earn 4.20% APY. Anything above will earn 0.05% APY. |
| Next Steps | Visit SiteVerify at Capital One 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 | Capital One | Neighbors Bank |
|---|---|---|
| 360 Performance Savings | Neighbors Savings Account | |
Current APY | 3.30% | 4.20% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.3 | -3.0 |
Days Since Change | 13 | 6 |
11-Month High | 3.70% | 4.75% |
11-Month Low | 3.30% | 4.20% |
Adjustments / Mo | 0.36 | 0.36 |
Volatility Score | 0.032 | 0.027 |
How to read these metrics(Click to expand)
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