High-Yield Savings Account Comparison

FVCbank 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.

FVCbank

Advantage Direct Savings

3.85%
APY
Dec 6, 2025
FDIC InsuredLow MinimumsGreat iOS App
Show Fine Print & Trends
Min. Deposit$500
Min. Balance$500
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58696)
EligibilityUnited States
Mobile Ratings
iOS:4.4Android:3.6
BBB Rating
B-(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.50%
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 FVCbank vs. Neighbors Bank

Updated: Dec 6, 2025

Why FVCbank?

  • ✓Higher rated iOS app (4.4 vs 3.3)
  • ✓Available Nationwide

Why Neighbors Bank?

  • ✓Higher potential APY (4.50% vs 3.85%) on all balances
  • ✓Physical branch access (One location in Columbia, Missouri)
  • ✓Higher rated Android app (4.4 vs 3.6)

— Key Feature Differences —

Better Returns at $10,000
Neighbors Bank

Neighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $450 vs $385/yr).

Better Returns at $25,000
Neighbors Bank

Neighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1125 vs $963/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
FVCbank

FVCbank offers an iOS app rated 4.4 (vs. 3.3) and Android app rated 3.6 (vs. 4.4)

Shared Benefits

Both offer monthly maintenance-free account options Available to New & Existing Customers
The Bottom Line

Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $65 more interest on a $10,000 balance than FVCbank's Advantage Direct Savings.

FVCbankNeighbors Bank
Automated Data Audit

Executive Summary

Neighbors Bank offers a competitive Neighbors Savings Account with a notable APY of 4.50%, making it the winner in this comparison. This account allows for balances up to $250,000 to earn the same high rate, with no maintenance fees or minimum deposit requirements, though it is not available in Delaware. In contrast, FVCbank's Advantage Direct Savings provides a lower APY of 3.85% and requires a minimum deposit of $500, but it features a strong mobile app experience. Both banks do not require direct deposits, and FVCbank operates online only.

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.

ExploreFVCbankExploreNeighbors Bank

Top Market Contenders

See who beats both FVCbank 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 FVCbankPibank vs Neighbors Bank
FeatureFVCbankNeighbors Bank
APY
3.85%
Verified: 12/6/2025
↘︎ 0.50%90d Change
4.50%
Verified: 12/6/2025
↘︎ 0.10%90d Change
Product NameAdvantage Direct SavingsNeighbors Savings Account
Minimum Deposit$500$0
Min. Balance for APY$500$0
Monthly Fee$0$0
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.4
Android3.6
iOS3.3
Android4.4
BBB RatingB-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.
$
$

Neighbors Bank earns $422.1 more than FVCbank.

FVCbank

Advantage Direct Savings

3.85% APY

Savings Breakdown

  • Interest Earned
    +$2,338.00(11.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,338.00

Effective APY
3.85%
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
MetricFVCbankNeighbors Bank
Advantage Direct SavingsNeighbors Savings Account
Current APY
3.85%4.50%
Trend
 Stable Stable
Velocity (bps/mo)
-8.3-1.3
Days Since Change
3553
9-Month High
4.55%4.60%
9-Month Low
3.85%4.50%
Adjustments / Mo
0.920.11
Volatility Score
0.0560.010
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 262-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 FVCbank vs...

Comparing against Standard Savings

vs FVCbank
PibankNo Bundle Req
4.60%
APY
vs FVCbank
TIMBRNo Bundle Req
4.40%
APY
vs FVCbank
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
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4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare FVCbank's APY of 3.85% with other banks
Bank PairCompetitor APYMin Deposit
FVCbank vs Ally Bank3.30%$0
FVCbank vs American Express3.40%$0
FVCbank vs Axos Bank4.31%$0
FVCbank vs Bank of America0.01%$100
FVCbank vs Barclays4.00%$0
FVCbank vs Bask Bank3.90%$0
FVCbank vs BMO Alto3.25%$0
FVCbank vs BrioDirect4.00%$5,000
FVCbank vs Capital One3.40%$0
FVCbank vs Chase Bank0.01%$0
FVCbank vs Chime3.50%$0
FVCbank vs CIT Bank3.75%$100
FVCbank vs Citibank3.30%$0
FVCbank vs Citizens Access™3.35%$0.01
FVCbank vs Climate First Bank4.21%$50
FVCbank vs Discover Bank3.40%$0
FVCbank vs Elevault4.08%$0
FVCbank vs EverBank4.05%$0
FVCbank vs Fitness Bank4.75%$100
FVCbank vs FNBO Direct3.00%$1
FVCbank vs Forbright Bank4.00%$0
FVCbank vs GO2bank4.50%$0
FVCbank vs Ivy Bank4.25%$2,500
FVCbank vs LendingClub4.20%$0
FVCbank vs Marcus by Goldman Sachs3.65%$0
FVCbank vs Newtek Bank4.35%$0.01
FVCbank vs Openbank4.20%$500
FVCbank vs Peak Bank4.20%$100
FVCbank vs Pibank4.60%$0
FVCbank vs PNC3.53%$0
FVCbank vs Presidential Bank4.00%$5,000
FVCbank vs Quontic Bank3.75%$100
FVCbank vs Salem Five Direct3.71%$10
FVCbank vs Santander Bank0.01%$25
FVCbank vs SoFi Bank4.30%$0
FVCbank vs Synchrony Bank3.65%$0
FVCbank vs TIMBR4.40%$1,000
FVCbank vs UFB Direct3.71%$5000
FVCbank vs Valley Direct4.10%$1,000
FVCbank vs Varo Bank5.00%$0
FVCbank vs Vio Bank4.16%$100
FVCbank vs Wealthfront4.15%$0
FVCbank vs Wells Fargo0.05%$25
FVCbank 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 Elevault4.08%$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 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