Fvcbank vs Neighbors Bank
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of FVCbank vs. Neighbors Bank
As of September 5, 2025 FVCbank offers an APY of 4.35% for its Advantage Direct Savings account, with a minimum balance of $500, compared to Neighbors Bank's 4.60% APY for its Neighbors Savings Account, with a minimum balance of $0.
Neighbors Bank yields $25 more than FVCbank on a $10,000 balance after one year. FVCbank pays $435, while Neighbors Bank pays $460 - an APY advantage for Neighbors Bank.
FVCbank
Strengths
- FVCbank offers a competitive APY of 4.35% with no maintenance fees.
- FVCbank has a higher App Store rating of 4.4 compared to Neighbors Bank.
- FVCbank does not have a direct deposit requirement for its Advantage Direct Savings account.
Potential Drawbacks
- FVCbank has no physical branches, operating online only.
- FVCbank's APY is lower than Neighbors Bank's 4.60%.
Neighbors Bank
Strengths
- Neighbors Bank offers a higher APY of 4.60% for balances up to $250,000.
- Neighbors Bank has a physical branch in Columbia, Missouri.
- Neighbors Bank has a higher Google Play rating of 4.3.
Potential Drawbacks
- Neighbors Bank is not BBB accredited despite an A+ rating.
- Neighbors Bank's APY is unchanged from 30 days ago, matching 4.60%.
Summary: FVCbank provides a solid APY of 4.35% with no fees but lacks physical branches. In contrast, Neighbors Bank offers a higher APY of 4.60% and has a branch location, but is not BBB accredited. Both banks have A+ ratings from the BBB, but FVCbank has a better App Store rating while Neighbors Bank excels in Google Play ratings.
Compare FVCbank's vs Neighbors Bank's Savings Accounts
| FVCbank | Neighbors Bank | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | Neighbors Savings Account |
| APY | 4.35% (as of 9/5/2025) | 4.60% (as of 9/5/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | No | |
| Compound Frequency | N/A | N/A | |
| Minimum Deposit | $500 | $0 | |
| Minimum Balance for APY | $500 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Eligibility | United States | Not available in Delaware. | |
| Note | Balances up to $250,000 earn 4.60% APY. Anything above will earn 0.05% APY. | ||
| App Store Rating | 4.4/5 | 3.3/5 | |
| Google Play Rating | 3.4/5 | 4.3/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 6 Months)
| FVCbank | Neighbors Bank | ||
|---|---|---|---|
| Product | Advantage Direct Savings | vs | Neighbors Savings Account |
| Latest APY | 4.35 % | 4.60 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -4.6 | 0.0 | |
| Rate Changes / Mo | 0.71 | 0.00 | |
| Days Since Last Change | 42 | 169 | |
| High (-6 m) | 4.55 % | 4.60 % | |
| Low (-6 m) | 4.35 % | 4.60 % | |
| Draw-down from High | -4.4 % | 0.0 % | |
| Volatility (CV) | 0.019 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 6 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-6 m)
- Highest APY in the last 170 days.
- Low (-6 m)
- Lowest APY in the last 170 days.
- Draw-down from High
- How far today sits below the 6-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
Calculate Savings Growth for FVCbank vs Neighbors Bank
All calculations are based on APY.
FVCbank
APY: 4.35%
Total savings breakdown:
- Interest earned: $2,662 (12.88%)
- Total contributions: $13,000 (62.92%)
- Initial deposit: $5,000 (24.20%)
Your total balance
$20,662.00
Effective APY: 4.35% (based on your deposit and contributions)
Total balance: $20,662
Earnings: $2,662
Bank OverviewNeighbors Bank
APY: 4.60%
Total savings breakdown:
- Interest earned: $2,825.8 (13.57%)
- Total contributions: $13,000 (62.42%)
- Initial deposit: $5,000 (24.01%)
Your total balance
$20,825.80
Effective APY: 4.60% (based on your deposit and contributions)
Total balance: $20,825.8
Earnings: $2,825.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, FVCbank's total earnings would be $163.8 lower than Neighbors Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare FVCbank's APY of 4.35% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| FVCbank vs Ally Bank | 3.50% | $0 |
| FVCbank vs American Express | 3.50% | $0 |
| FVCbank vs Axos Bank | 4.46% | $0 |
| FVCbank vs Bank of America | 0.01% | $100 |
| FVCbank vs Barclays | 4.10% | $0 |
| FVCbank vs BrioDirect | 4.30% | $5,000 |
| FVCbank vs Capital One | 3.50% | $0 |
| FVCbank vs Chase Bank | 0.01% | $0 |
| FVCbank vs Chime | 3.75% | $0 |
| FVCbank vs CIT Bank | 4.00% | $100 |
| FVCbank vs Discover Bank | 3.50% | $0 |
| FVCbank vs Elevault | 4.60% | $0 |
| FVCbank vs EverBank | 4.30% | $0 |
| FVCbank vs Fitness Bank | 4.75% | $100 |
| FVCbank vs GO2bank | 4.50% | $0 |
| FVCbank vs Marcus by Goldman Sachs | 3.65% | $0 |
| FVCbank vs Newtek Bank | 4.35% | $0 |
| FVCbank vs Peak Bank | 4.35% | $100 |
| FVCbank vs Pibank | 4.60% | $0 |
| FVCbank vs Presidential Bank | 4.50% | $5,000 |
| FVCbank vs Santander Bank | 0.03% | $25 |
| FVCbank vs SoFi Bank | 3.80% | $0 |
| FVCbank vs Synchrony Bank | 3.80% | $0 |
| FVCbank vs TIMBR | 4.40% | $1,000 |
| FVCbank vs UFB Direct | 4.21% | $5000 |
| FVCbank vs Varo Bank | 5.00% | $0 |
| FVCbank vs Wells Fargo | 2.51% | $25 |
| FVCbank vs Zynlo Bank | 4.35% | $10 |