Capital One vs. Neighbors Bank
Comparing Capital One and Neighbors Bank for high-yield savings: Capital One's 360 Performance Savings pays 3.00% APY while Neighbors Bank's Neighbors Savings Account pays 4.10% APY.
Note: Neighbors Bank caps its top rate at $250,000.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Neighbors Bank pays $110 more than Capital One annually ($410 vs $300).
Choose Capital One if you want a no-strings-attached account, you're an iPhone user, or you want Zelle for quick transfers. Choose Neighbors Bank if getting the best rate matters most.
| Metric | Capital One360 Performance Savings Jun 5, 2026 | Neighbors BankNeighbors Savings Account Jun 5, 2026 |
|---|---|---|
| APY | 3.00% | 4.10% |
Est. Earnings | $5,000+$150 $10,000+$300 $25,000+$750 | $5,000+$205 $10,000+$410 $25,000+$1,025 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Balances up to $250,000 earn 4.10% APY. Anything above will earn 0.05% APY. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often | FDIC InsuredNo MinimumsGreat Android AppIn-Person AccessRate Changes Often |
Comparison Analysis
Comparing Capital One vs. Neighbors Bank
Executive Summary
Neighbors Bank offers the Neighbors Savings Account with a competitive APY of 4.10%, making it the higher-yield option compared to Capital One's 360 Performance Savings account, which has an APY of 3.00%. Notably, Neighbors Bank's account allows balances up to $250,000 to earn the full APY, while amounts above that will earn a lower rate of 0.05%. Both accounts require no minimum deposit or maintenance fees and do not mandate direct deposit. Capital One is recognized for its superior mobile app experience, with ratings of 4.8 for iOS and 4.5 for Android.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Capital One?
- ✓No checking account or direct deposit required
- ✓Higher rated iOS app (4.8 vs 3.3)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
- ✓Available Nationwide
Why Neighbors Bank?
- ✓Higher potential APY (4.10% vs 3.00%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Neighbors BankNeighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $410 vs $300/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1025 vs $750/yr).
Best Mobile App Experience
Capital OneCapital One offers an iOS app rated 4.8 (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 $110 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.
Non-sponsored link to official site
Non-sponsored link to official site
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Capital One vs. Neighbors Bank Savings Calculator
You earn $110 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+$300.00(2.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,300.00
Neighbors Bank
Neighbors Savings Account
4.10% on first $250,000 and 0.05% thereafter.
Savings Breakdown
- Interest Earned+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $299 per year in interest.
Both Capital One and Neighbors Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Capital One | Neighbors Bank |
|---|---|---|
| APY | 3.00% Verified: 6/5/2026 ↘︎ 0.30%90d Change | 4.10% Verified: 6/5/2026 ↘︎ 0.10%90d Change |
| Product Name | 360 Performance Savings | Neighbors Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Monthly | N/A |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | One location in Columbia, Missouri |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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 4.10% 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 | 3.00% | 4.10% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.1 | -5.2 |
Days Since Change | 3 | 31 |
12-Month High | 3.60% | 4.60% |
12-Month Low | 3.00% | 4.10% |
Adjustments / Mo | 0.49 | 0.33 |
Volatility Score | 0.043 | 0.043 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Capital One's APY of 3.00% with other banks
Compare Neighbors Bank's APY of 4.10% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Neighbors Bank vs Ally Bank | 3.10% | $0 |
| Neighbors Bank vs American Express | 3.10% | $0 |
| Neighbors Bank vs Axos Bank | 4.21% | $0 |
| Neighbors Bank vs Barclays | 3.75% | $0 |
| Neighbors Bank vs Chime | 3.00% | $0 |
| Neighbors Bank vs CIT Bank | 3.75% | $100 |
| Neighbors Bank vs Discover Bank | 3.30% | $0 |
| Neighbors Bank vs EverBank | 3.90% | $0 |
| Neighbors Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Neighbors Bank vs Newtek Bank | 4.20% | $0.01 |
| Neighbors Bank vs Openbank | 4.00% | $500 |
| Neighbors Bank vs Pibank | 4.40% | $0 |
| Neighbors Bank vs SoFi Bank | 3.80% | $0 |
| Neighbors Bank vs Synchrony Bank | 3.40% | $0 |
| Neighbors Bank vs Varo Bank | 5.00% | $0 |
| Neighbors Bank vs Wealthfront | 4.20% | $0 |