High-Yield Savings Account Comparison

Elevault 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.

Elevault

High Yield Savings Account

4.08%
APY
Dec 6, 2025
FDIC InsuredNo Minimums
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 1528)
EligibilityUnited States
Mobile Ratings
iOS:3.7Android:3.9
BBB Rating
A+(Not BBB Accredited)

Important Note

The 4.08% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500.

Rate Stability

Rate Adjusted
-0.52%
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 FreqN/A
Direct DepositNot required
Branch AccessOne location in Columbia, Missouri
Deposit InsuranceFDIC Insured(Cert: 16247)
EligibilityNot available in Delaware.
Mobile Ratings
iOS:3.3Android: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 Elevault vs. Neighbors Bank

Updated: Dec 6, 2025

Why Elevault?

  • ✓Available Nationwide

Why Neighbors Bank?

  • ✓Higher potential APY (4.50% vs 4.08%) on all balances
  • ✓Physical branch access (One location in Columbia, Missouri)
  • ✓Higher rated Android app (4.4 vs 3.9)

— Key Feature Differences —

Better Returns at $10,000
Neighbors Bank

Neighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $450 vs $408/yr).

Better Returns at $25,000
Neighbors Bank

Neighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1125 vs $1020/yr).

Best for Simplicity
Neighbors Bank

Neighbors Bank's Neighbors Savings Account offers 4.50% APY with no bundling, direct deposit requirement or caps.

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 $42 more interest on a $10,000 balance than Elevault's High Yield Savings Account.

ElevaultNeighbors Bank
Automated Data Audit

Executive Summary

Elevault offers a High Yield Savings Account with a competitive APY of 4.08%, applicable to balances up to $250,000, and features no minimum deposit or maintenance fees. However, Neighbors Bank's Neighbors Savings Account stands out as the winner with a higher APY of 4.50% for the same balance limit, providing better returns on deposits, particularly at higher amounts. Neighbors Bank's account also has no direct deposit requirement and no maintenance fees, making it a straightforward option for savers. Note that Neighbors Bank's account 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.

ExploreElevaultExploreNeighbors Bank

Top Market Contenders

See who beats both Elevault 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 ElevaultPibank vs Neighbors Bank
FeatureElevaultNeighbors Bank
APY
4.08%
Verified: 12/6/2025
↘︎ 0.52%90d Change
4.50%
Verified: 12/6/2025
↘︎ 0.10%90d Change
Product NameHigh Yield Savings AccountNeighbors Savings Account
Minimum Deposit$0$0
Min. Balance for APY$0$0
Monthly Fee$0$0
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS3.7
Android3.9
iOS3.3
Android4.4
BBB RatingA+A+
Important NotesThe 4.08% APY is up to $250,000. Balances above that earn no interest. Daily deposit limit is $2,500.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.
$
$

Neighbors Bank earns $273.7 more than Elevault.

Elevault

High Yield Savings Account

4.08% APY

Savings Breakdown

  • Interest Earned
    +$2,486.40(12.1%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,486.40

Effective APY
4.08%
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 4 Months Analysis
MetricElevaultNeighbors Bank
High Yield Savings AccountNeighbors Savings Account
Current APY
4.08%4.50%
Trend
 Stable Stable
Velocity (bps/mo)
-16.6-3.7
Days Since Change
3253
4-Month High
4.60%4.60%
4-Month Low
4.08%4.50%
Adjustments / Mo
0.490.25
Volatility Score
0.0480.011
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 122-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.

Compare Similar High-Yield Accounts

Compare Elevault vs...

Comparing against Standard Savings

vs Elevault
PibankNo Bundle Req
4.60%
APY
vs Elevault
TIMBRNo Bundle Req
4.40%
APY
vs Elevault
Newtek BankNo Bundle Req
4.35%
APY

Compare Neighbors Bank vs...

Comparing against Standard Savings

vs Neighbors Bank
PibankNo Bundle Req
4.60%
APY
vs Neighbors Bank
TIMBRNo Bundle Req
4.40%
APY
vs Neighbors Bank
Newtek BankNo Bundle Req
4.35%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare Elevault's APY of 4.08% with other banks
Bank PairCompetitor APYMin Deposit
Elevault vs Ally Bank3.30%$0
Elevault vs American Express3.40%$0
Elevault vs Axos Bank4.31%$0
Elevault vs Bank of America0.01%$100
Elevault vs Barclays4.00%$0
Elevault vs Bask Bank3.90%$0
Elevault vs BMO Alto3.25%$0
Elevault vs BrioDirect4.00%$5,000
Elevault vs Capital One3.40%$0
Elevault vs Chase Bank0.01%$0
Elevault vs Chime3.50%$0
Elevault vs CIT Bank3.75%$100
Elevault vs Citibank3.30%$0
Elevault vs Citizens Access™3.35%$0.01
Elevault vs Climate First Bank4.21%$50
Elevault vs Discover Bank3.40%$0
Elevault vs EverBank4.05%$0
Elevault vs Fitness Bank4.75%$100
Elevault vs FNBO Direct3.00%$1
Elevault vs Forbright Bank4.00%$0
Elevault vs FVCbank3.85%$500
Elevault vs GO2bank4.50%$0
Elevault vs Ivy Bank4.25%$2,500
Elevault vs LendingClub4.20%$0
Elevault vs Marcus by Goldman Sachs3.65%$0
Elevault vs Newtek Bank4.35%$0.01
Elevault vs Openbank4.20%$500
Elevault vs Peak Bank4.20%$100
Elevault vs Pibank4.60%$0
Elevault vs PNC3.53%$0
Elevault vs Presidential Bank4.00%$5,000
Elevault vs Quontic Bank3.75%$100
Elevault vs Salem Five Direct3.71%$10
Elevault vs Santander Bank0.01%$25
Elevault vs SoFi Bank4.30%$0
Elevault vs Synchrony Bank3.65%$0
Elevault vs TIMBR4.40%$1,000
Elevault vs UFB Direct3.71%$5000
Elevault vs Valley Direct4.10%$1,000
Elevault vs Varo Bank5.00%$0
Elevault vs Vio Bank4.16%$100
Elevault vs Wealthfront4.15%$0
Elevault vs Wells Fargo0.05%$25
Elevault vs Zynlo Bank4.05%$10
Compare Neighbors Bank's APY of 4.50% with other banks
Bank PairCompetitor APYMin Deposit
Neighbors Bank vs Ally Bank3.30%$0
Neighbors Bank vs American Express3.40%$0
Neighbors Bank vs Axos Bank4.31%$0
Neighbors Bank vs Bank of America0.01%$100
Neighbors Bank vs Barclays4.00%$0
Neighbors Bank vs Bask Bank3.90%$0
Neighbors Bank vs BMO Alto3.25%$0
Neighbors Bank vs BrioDirect4.00%$5,000
Neighbors Bank vs Capital One3.40%$0
Neighbors Bank vs Chase Bank0.01%$0
Neighbors Bank vs Chime3.50%$0
Neighbors Bank vs CIT Bank3.75%$100
Neighbors Bank vs Citibank3.30%$0
Neighbors Bank vs Citizens Access™3.35%$0.01
Neighbors Bank vs Climate First Bank4.21%$50
Neighbors Bank vs Discover Bank3.40%$0
Neighbors Bank vs EverBank4.05%$0
Neighbors Bank vs Fitness Bank4.75%$100
Neighbors Bank vs FNBO Direct3.00%$1
Neighbors Bank vs Forbright Bank4.00%$0
Neighbors Bank vs FVCbank3.85%$500
Neighbors Bank vs GO2bank4.50%$0
Neighbors Bank vs Ivy Bank4.25%$2,500
Neighbors Bank vs LendingClub4.20%$0
Neighbors Bank vs Marcus by Goldman Sachs3.65%$0
Neighbors Bank vs Newtek Bank4.35%$0.01
Neighbors Bank vs Openbank4.20%$500
Neighbors Bank vs Peak Bank4.20%$100
Neighbors Bank vs Pibank4.60%$0
Neighbors Bank vs PNC3.53%$0
Neighbors Bank vs Presidential Bank4.00%$5,000
Neighbors Bank vs Quontic Bank3.75%$100
Neighbors Bank vs Salem Five Direct3.71%$10
Neighbors Bank vs Santander Bank0.01%$25
Neighbors Bank vs SoFi Bank4.30%$0
Neighbors Bank vs Synchrony Bank3.65%$0
Neighbors Bank vs TIMBR4.40%$1,000
Neighbors Bank vs UFB Direct3.71%$5000
Neighbors Bank vs Valley Direct4.10%$1,000
Neighbors Bank vs Varo Bank5.00%$0
Neighbors Bank vs Vio Bank4.16%$100
Neighbors Bank vs Wealthfront4.15%$0
Neighbors Bank vs Wells Fargo0.05%$25
Neighbors Bank vs Zynlo Bank4.05%$10