High-Yield Savings Account Comparison

Capital One 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

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Capital One

360 Performance Savings

3.40%

APY

Dec 6, 2025

FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	Monthly
Direct Deposit	Not required
Branch Access	Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.
Deposit Insurance	FDIC Insured(Cert: 4297)
Eligibility	United States
Mobile Ratings	iOS:4.9 Android:4.5
BBB Rating	A+(BBB Accredited)

Rate Stability

Rate Adjusted

-0.10%

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 Freq	N/A
Direct Deposit	Not required
Branch Access	One location in Columbia, Missouri
Deposit Insurance	FDIC Insured(Cert: 16247)
Eligibility	Not available in Delaware.
Mobile Ratings	iOS:3.3 Android: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 Capital One vs. Neighbors Bank

Updated: Dec 6, 2025

Why Capital One?

✓Higher rated iOS app (4.9 vs 3.3)
✓Available Nationwide

Why Neighbors Bank?

✓Higher potential APY (4.50% vs 3.40%) on all balances

— Key Feature Differences —

Better Returns at $10,000

Neighbors Bank

Neighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $450 vs $340/yr).

Better Returns at $25,000

Neighbors Bank

Neighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1125 vs $850/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

Capital One

Capital One offers an iOS app rated 4.9 (vs. 3.3) and Android app rated 4.5 (vs. 4.4)

Shared Benefits

Both offer monthly maintenance-free account options Both banks have options with $0 opening deposit Available to New & Existing Customers

The Bottom Line

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.

Capital OneNeighbors Bank

Automated Data Audit

Executive Summary

Neighbors Bank offers a competitive Neighbors Savings Account with an APY of 4.50%, making it the winner in this comparison. This account provides better returns, especially for deposits up to $250,000, with no direct deposit requirement and no maintenance fees. In contrast, Capital One's 360 Performance Savings account yields 3.40% APY, which is significantly lower. While Capital One boasts a strong mobile app experience, Neighbors Bank's account is noted for its simplicity and higher returns, though it is not available in Delaware.

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.

ExploreCapital One ExploreNeighbors Bank

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Compare All High-Yield Savings Accounts

Pibank

Pibank Savings

FDIC InsuredNo Minimums

4.60% APY

+0.10% vs Neighbors Bank

Better Rate

Pibank vs Capital One Pibank vs Neighbors Bank

Feature	Capital One	Neighbors Bank
APY	3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change	4.50% Verified: 12/6/2025 ↘︎ 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
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
BBB Rating	A+	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.

Initial Deposit

Recurring Deposit

Frequency

Duration

Neighbors Bank earns $709.6 more than Capital One.

Capital One

360 Performance Savings

3.40% APY

Savings Breakdown

Interest Earned
+$2,050.50(10.2%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,050.50

Effective APY

3.40%

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

Metric	Capital One	Neighbors Bank
	360 Performance Savings	Neighbors Savings Account
Current APYMost recent advertised annual-percentage yield.	3.40%	4.50%
TrendDirection over the last 9 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	-3.4	-1.5
Days Since ChangeRecency of the latest APY adjustment.	66	53
9-Month HighHighest APY in the last 283 days.	3.70%	4.75%
9-Month LowLowest APY in the last 283 days.	3.40%	4.50%
Adjustments / MoTypical number of APY moves per month.	0.32	0.21
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.029	0.012

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.

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More Comparisons

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

Bank Pair	Competitor APY	Min Deposit
Capital One vs Ally Bank	3.30%	$0
Capital One vs American Express	3.40%	$0
Capital One vs Axos Bank	4.31%	$0
Capital One vs Bank of America	0.01%	$100
Capital One vs Barclays	4.00%	$0
Capital One vs Bask Bank	3.90%	$0
Capital One vs BMO Alto	3.25%	$0
Capital One vs BrioDirect	4.00%	$5,000
Capital One vs Chase Bank	0.01%	$0
Capital One vs Chime	3.50%	$0
Capital One vs CIT Bank	3.75%	$100
Capital One vs Citibank	3.30%	$0
Capital One vs Citizens Access™	3.35%	$0.01
Capital One vs Climate First Bank	4.21%	$50
Capital One vs Discover Bank	3.40%	$0
Capital One vs Elevault	4.08%	$0
Capital One vs EverBank	4.05%	$0
Capital One vs Fitness Bank	4.75%	$100
Capital One vs FNBO Direct	3.00%	$1
Capital One vs Forbright Bank	4.00%	$0
Capital One vs FVCbank	3.85%	$500
Capital One vs GO2bank	4.50%	$0
Capital One vs Ivy Bank	4.25%	$2,500
Capital One vs LendingClub	4.20%	$0
Capital One vs Marcus by Goldman Sachs	3.65%	$0
Capital One vs Newtek Bank	4.35%	$0.01
Capital One vs Openbank	4.20%	$500
Capital One vs Peak Bank	4.20%	$100
Capital One vs Pibank	4.60%	$0
Capital One vs PNC	3.53%	$0
Capital One vs Presidential Bank	4.00%	$5,000
Capital One vs Quontic Bank	3.75%	$100
Capital One vs Salem Five Direct	3.71%	$10
Capital One vs Santander Bank	0.01%	$25
Capital One vs SoFi Bank	4.30%	$0
Capital One vs Synchrony Bank	3.65%	$0
Capital One vs TIMBR	4.40%	$1,000
Capital One vs UFB Direct	3.71%	$5000
Capital One vs Valley Direct	4.10%	$1,000
Capital One vs Varo Bank	5.00%	$0
Capital One vs Vio Bank	4.16%	$100
Capital One vs Wealthfront	4.15%	$0
Capital One vs Wells Fargo	0.05%	$25
Capital One vs Zynlo Bank	4.05%	$10

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

Bank Pair	Competitor APY	Min Deposit
Neighbors Bank vs Ally Bank	3.30%	$0
Neighbors Bank vs American Express	3.40%	$0
Neighbors Bank vs Axos Bank	4.31%	$0
Neighbors Bank vs Bank of America	0.01%	$100
Neighbors Bank vs Barclays	4.00%	$0
Neighbors Bank vs Bask Bank	3.90%	$0
Neighbors Bank vs BMO Alto	3.25%	$0
Neighbors Bank vs BrioDirect	4.00%	$5,000
Neighbors Bank vs Chase Bank	0.01%	$0
Neighbors Bank vs Chime	3.50%	$0
Neighbors Bank vs CIT Bank	3.75%	$100
Neighbors Bank vs Citibank	3.30%	$0
Neighbors Bank vs Citizens Access™	3.35%	$0.01
Neighbors Bank vs Climate First Bank	4.21%	$50
Neighbors Bank vs Discover Bank	3.40%	$0
Neighbors Bank vs Elevault	4.08%	$0
Neighbors Bank vs EverBank	4.05%	$0
Neighbors Bank vs Fitness Bank	4.75%	$100
Neighbors Bank vs FNBO Direct	3.00%	$1
Neighbors Bank vs Forbright Bank	4.00%	$0
Neighbors Bank vs FVCbank	3.85%	$500
Neighbors Bank vs GO2bank	4.50%	$0
Neighbors Bank vs Ivy Bank	4.25%	$2,500
Neighbors Bank vs LendingClub	4.20%	$0
Neighbors Bank vs Marcus by Goldman Sachs	3.65%	$0
Neighbors Bank vs Newtek Bank	4.35%	$0.01
Neighbors Bank vs Openbank	4.20%	$500
Neighbors Bank vs Peak Bank	4.20%	$100
Neighbors Bank vs Pibank	4.60%	$0
Neighbors Bank vs PNC	3.53%	$0
Neighbors Bank vs Presidential Bank	4.00%	$5,000
Neighbors Bank vs Quontic Bank	3.75%	$100
Neighbors Bank vs Salem Five Direct	3.71%	$10
Neighbors Bank vs Santander Bank	0.01%	$25
Neighbors Bank vs SoFi Bank	4.30%	$0
Neighbors Bank vs Synchrony Bank	3.65%	$0
Neighbors Bank vs TIMBR	4.40%	$1,000
Neighbors Bank vs UFB Direct	3.71%	$5000
Neighbors Bank vs Valley Direct	4.10%	$1,000
Neighbors Bank vs Varo Bank	5.00%	$0
Neighbors Bank vs Vio Bank	4.16%	$100
Neighbors Bank vs Wealthfront	4.15%	$0
Neighbors Bank vs Wells Fargo	0.05%	$25
Neighbors Bank vs Zynlo Bank	4.05%	$10