Capital One vs. Neighbors Bank

High-Yield Savings Account Comparison

By Aviel Fahl|Last Updated: October 21, 2025

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Summary of Capital One vs. Neighbors Bank

Key Metrics at a Glance

FeatureCapital OneNeighbors Bank
Top Savings APY

3.40%

360 Performance Savings

4.50%

Neighbors Savings Account

Minimum to Open$0$0
Minimum Balance for Top APY$0$0
NoteBalances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY.

Capital One

Strengths

  • Capital One has over 200 branches across multiple states.
  • Capital One offers a competitive APY of 3.40%, though it decreased from 3.50% recently.
  • Capital One is BBB Accredited with an A+ rating.

Potential Drawbacks

  • Capital One's APY is lower than Neighbors Bank's 4.50%.

Neighbors Bank

Strengths

  • Neighbors Bank offers a higher APY of 4.50%, though it decreased from 4.60% recently.
  • Neighbors Bank has no maintenance fees or minimum balance requirements.

Potential Drawbacks

  • Neighbors Bank has only one location in Columbia, Missouri.
  • Neighbors Bank is not BBB Accredited despite having an A+ rating.
Summary: Capital One provides a solid APY of 3.40% with extensive branch access and BBB Accreditation. In contrast, Neighbors Bank offers a higher APY of 4.50% but has limited physical locations and lacks BBB Accreditation. Both banks have no maintenance fees or minimum balance requirements, making them accessible options for savers.

→ As of October 21, 2025 Capital One offers an APY of 3.40% for its 360 Performance Savings account, with a minimum balance of $0, compared to Neighbors Bank's 4.50% APY for its Neighbors Savings Account, with a minimum balance of $0.

Neighbors Bank yields $110 more than Capital One on a $10,000 balance after one year. Capital One pays $340, while Neighbors Bank pays $450 - an APY advantage for Neighbors Bank.

Calculate Savings Growth for Capital One vs Neighbors Bank

All calculations are based on APY.

Capital One - 360 Performance Savings

Top APY: 3.40%

Total savings breakdown:

  • Interest earned: $2,050.5 (10.23%)
  • Total contributions: $13,000 (64.84%)
  • Initial deposit: $5,000 (24.94%)

Your total balance

$20,050.50

Effective APY: 3.40% (based on your deposit and contributions)

Total balance: $20,050.5

Earnings: $2,050.5

Bank Overview

Neighbors Bank - Neighbors Savings Account

Top APY: 4.50%

Total savings breakdown:

  • Interest earned: $2,760.1 (13.30%)
  • Total contributions: $13,000 (62.62%)
  • Initial deposit: $5,000 (24.08%)

Your total balance

$20,760.10

Effective APY: 4.50% (based on your deposit and contributions)

Total balance: $20,760.1

Earnings: $2,760.1

Bank Overview

With a $5,000 initial deposit and $13,000 in total contributions over 5 years, Capital One's total earnings would be $709.6 lower than Neighbors Bank's total earnings.

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

Compare Capital One's vs Neighbors Bank's Savings Accounts

Capital OneNeighbors Bank
Product360 Performance SavingsvsNeighbors Savings Account
APY
3.40% (as of 10/21/2025)4.50% (as of 10/21/2025)
Bundled Account
NoNo
FDIC-insured
YesYes
Online OnlyNoNo
Compound Frequency
MonthlyN/A
Minimum Deposit$0$0
Minimum Balance for APY$0$0
Maintenance Fee$0$0
Direct Deposit Required
NoNo
EligibilityUnited StatesNot available in Delaware.
NoteBalances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY.
App Store Rating4.9/53.3/5
Google Play Rating4.5/54.3/5
BBB RatingA+A+

Comparative Historical APY Insights (Last 8 Months)

Capital OneNeighbors Bank
Product360 Performance SavingsvsNeighbors Savings Account
Latest APY3.40 %4.50 %
TrendSidewaysSideways
Slope (bps/mo)-3.6-0.9
Rate Changes / Mo0.380.25
Days Since Last Change207
High (-8 m)3.70 %4.75 %
Low (-8 m)3.40 %4.50 %
Draw-down from High-8.1 %-5.3 %
Volatility (CV)0.0250.009
APY Insights Glossary
Latest APY
Most recent advertised annual-percentage yield.
Trend
Direction over the last 8 months (regression slope).
Slope (bps/mo)
Average monthly change; 10 bps = 0.10 pp.
Rate Changes / Mo
Typical number of APY moves per month.
Days Since Last Change
Recency of the latest APY adjustment.
High (-8 m)
Highest APY in the last 237 days.
Low (-8 m)
Lowest APY in the last 237 days.
Draw-down from High
How far today sits below the 8-month peak.
Volatility (CV)
Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
  • See how quickly a bank reacts to Fed moves or competition.
  • Gauge “twitchiness” - frequent moves can annoy savers.
  • Spot if you're buying near a peak (draw-down) or riding a rise.
  • Slope (bps/mo) shows speed of change.
  • Volatility (CV) scales jumps by average level.

More Comparisons

Compare Capital One's APY of 3.40% with other banks
Compare Neighbors Bank's APY of 4.50% with other banks