Citizens Access™ vs. Neighbors Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Citizens Access™
Citizens Access® Savings
3.35%APYDec 5, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® Savings
Neighbors Bank
Neighbors Savings Account
4.50%APYDec 6, 2025FDIC InsuredNo MinimumsGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Neighbors Bank
Neighbors Savings Account
Comparison Analysis
Comparing Citizens Access™ vs. Neighbors Bank
Why Citizens Access™?
- ✓Higher rated iOS app (4.8 vs 3.3)
- ✓Higher rated Android app (4.8 vs 4.4)
- ✓Available Nationwide
Why Neighbors Bank?
- ✓Higher potential APY (4.50% vs 3.35%) on all balances
- ✓Physical branch access (One location in Columbia, Missouri)
— Key Feature Differences —
Better Returns at $10,000
Neighbors BankNeighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $450 vs $335/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1125 vs $838/yr).
Best for Simplicity
Neighbors BankNeighbors Bank's Neighbors Savings Account offers 4.50% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Citizens Access™Citizens Access™ offers an iOS app rated 4.8 (vs. 3.3) and Android app rated 4.8 (vs. 4.4)
Shared Benefits
Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $115 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
Neighbors Bank offers the Neighbors Savings Account with a competitive APY of 4.50%, making it the winner in this comparison. This account provides attractive returns on balances up to $250,000, with no direct deposit requirement and no maintenance fees. In contrast, Citizens Access™ features the Citizens Access® Savings account with an APY of 3.35%. While it has a strong mobile app experience, it does not match the higher yield of Neighbors Bank. Both accounts require a minimal deposit to open, and Citizens Access™ is exclusively online, whereas Neighbors Bank offers more accessibility.
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.
Top Market Contenders
See who beats both Citizens Access™ and Neighbors Bank.
| Feature | Citizens Access™ | Neighbors Bank |
|---|---|---|
| APY | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change | 4.50% Verified: 12/6/2025 ↘︎ 0.10%90d Change |
| Product Name | Citizens Access® Savings | Neighbors Savings Account |
| Minimum Deposit | $0.01 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.8 | 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 |
Savings Comparison
Neighbors Bank earns $741.3 more than Citizens Access™.
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$2,018.80(10.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,018.80
Neighbors Bank
Neighbors Savings Account
Savings Breakdown
- Interest Earned+$2,760.10(13.3%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,760.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | Neighbors Bank |
|---|---|---|
| Citizens Access® Savings | Neighbors Savings Account | |
Current APY | 3.35% | 4.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.3 | -1.5 |
Days Since Change | 37 | 53 |
9-Month High | 3.70% | 4.75% |
9-Month Low | 3.35% | 4.50% |
Adjustments / Mo | 0.21 | 0.21 |
Volatility Score | 0.038 | 0.012 |
How to read these metrics(Click to expand)
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