High-Yield Savings Account Comparison

Chase Bank 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.

Chase Bank

Chase Savings℠

0.01%

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	$5
Compound Freq	Monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 628)
Eligibility	United States
Mobile Ratings	iOS:4.8 Android:4.6
BBB Rating	A-(Not BBB Accredited)

Important Note

APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc.

Rate Stability

Very StableNo rate changes in last 90 days

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 Chase Bank vs. Neighbors Bank

Updated: Dec 6, 2025

Why Chase Bank?

✓Higher rated iOS app (4.8 vs 3.3)
✓Available Nationwide

Why Neighbors Bank?

✓Higher potential APY (4.50% vs 0.01%) on all balances
✓No checking account or direct deposit required
✓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 $1/yr).

Better Returns at $25,000

Neighbors Bank

Neighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1125 vs $3/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

Chase Bank

Chase Bank offers an iOS app rated 4.8 (vs. 3.3) and Android app rated 4.6 (vs. 4.4)

Shared Benefits

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 $449 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.

Chase BankNeighbors Bank

Automated Data Audit

Executive Summary

Neighbors Bank offers a competitive Neighbors Savings Account with a notable 4.50% APY, significantly higher than Chase Bank's Chase Savings℠, which yields only 0.01% APY. The Neighbors Savings Account has no maintenance fees and is straightforward, requiring no direct deposit or minimum balance, although it is not available in Delaware. In contrast, Chase Bank's offering may incur a $5 maintenance fee unless certain conditions are met, such as maintaining a balance of at least $300. For those seeking higher returns without the complexities, Neighbors Bank is the clear winner.

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.

ExploreChase Bank ExploreNeighbors Bank

Top Market Contenders

See who beats both Chase Bank 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 Chase Bank Pibank vs Neighbors Bank

Feature	Chase Bank	Neighbors Bank
APY	0.01% Verified: 12/6/2025 Stable (90d)	4.50% Verified: 12/6/2025 ↘︎ 0.10%90d Change
Product Name	Chase Savings℠	Neighbors Savings Account
Minimum Deposit	$0	$0
Min. Balance for APY	$0	$0
Monthly Fee	$5	$0
Branch Access	Yes	Yes
Account Type	Online & Branches	Online & Branches
Direct Deposit Req.	None	None
Checking Bundle	No	No
Mobile Apps	iOS4.8 Android4.6	iOS3.3 Android4.4
BBB Rating	A-	A+
Important Notes	APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc.	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 $2,754.4 more than Chase Bank.

Chase Bank

Chase Savings℠

0.01% APY

Savings Breakdown

Interest Earned
+$5.70(0.0%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$18,005.70

Effective APY

0.01%

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	Chase Bank	Neighbors Bank
	Chase Savings℠	Neighbors Savings Account
Current APYMost recent advertised annual-percentage yield.	0.01%	4.50%
TrendDirection over the last 9 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	-0.0	-1.5
Days Since ChangeRecency of the latest APY adjustment.	283	53
9-Month HighHighest APY in the last 283 days.	0.01%	4.75%
9-Month LowLowest APY in the last 283 days.	0.01%	4.50%
Adjustments / MoTypical number of APY moves per month.	0.00	0.21
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.000	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 Chase Bank's APY of 0.01% with other banks

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