Fvcbank vs. Neighbors Bank

High-Yield Savings Account Comparison

By Aviel Fahl|Last Updated: October 21, 2025

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Summary of FVCbank vs. Neighbors Bank

Key Metrics at a Glance

Feature	FVCbank	Neighbors Bank
Top Savings APY	4.10% Advantage Direct Savings	4.50% Neighbors Savings Account
Minimum to Open	$500	$0
Minimum Balance for Top APY	$500	$0
Note		Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY.

FVCbank

Strengths

FVCbank offers a competitive APY of 4.10%, though it has decreased from 4.45% in the last 30 days.
FVCbank has no maintenance fees for its Advantage Direct Savings account.
FVCbank has a higher App Store rating of 4.4 compared to Neighbors Bank.

Potential Drawbacks

FVCbank's Advantage Direct Savings account requires a minimum deposit and balance of $500.
FVCbank has no physical branches, limiting in-person banking options.
FVCbank has a lower Google Play rating of 3.6 compared to Neighbors Bank.

Neighbors Bank

Strengths

Neighbors Bank offers a higher APY of 4.50%, though it has decreased from 4.60% in the last 30 days.
Neighbors Bank has no minimum deposit or balance requirements for the Neighbors Savings Account.
Neighbors Bank has a higher Google Play rating of 4.3 compared to FVCbank.

Potential Drawbacks

Neighbors Bank is not BBB Accredited despite having an A+ rating.
Neighbors Bank has only one branch location in Columbia, Missouri.
Neighbors Bank's App Store rating is lower at 3.3 compared to FVCbank.

Summary: FVCbank provides a lower APY of 4.10% compared to Neighbors Bank's 4.50%, but has no minimum balance requirements. FVCbank has a better App Store rating, while Neighbors Bank offers a physical branch and a higher Google Play rating. However, Neighbors Bank lacks BBB Accreditation, which may concern some customers. Overall, both banks have their strengths and weaknesses depending on customer preferences for APY, fees, and accessibility.

→ As of October 21, 2025 FVCbank offers an APY of 4.10% for its Advantage Direct Savings account, with a minimum balance of $500, compared to Neighbors Bank's 4.50% APY for its Neighbors Savings Account, with a minimum balance of $0.

→ Neighbors Bank yields $40 more than FVCbank on a $10,000 balance after one year. FVCbank pays $410, while Neighbors Bank pays $450 - an APY advantage for Neighbors Bank.

Explore FVCbank Explore Neighbors Bank

Calculate Savings Growth for FVCbank vs Neighbors Bank

All calculations are based on APY.

Initial Deposit

Recurring Deposit

Frequency

FVCbank - Advantage Direct Savings

Top APY: 4.10%

Total savings breakdown:

Interest earned: $2,499.4 (12.19%)
Total contributions: $13,000 (63.42%)
Initial deposit: $5,000 (24.39%)

Your total balance

$20,499.40

Effective APY: 4.10% (based on your deposit and contributions)

Total balance: $20,499.4

Earnings: $2,499.4

Bank Overview

Neighbors Bank - Neighbors Savings Account

Top APY: 4.50%

Total savings breakdown:

Interest earned: $2,760.1 (13.30%)
Total contributions: $13,000 (62.62%)
Initial deposit: $5,000 (24.08%)

Your total balance

$20,760.10

Effective APY: 4.50% (based on your deposit and contributions)

Total balance: $20,760.1

Earnings: $2,760.1

Bank Overview

With a $5,000 initial deposit and $13,000 in total contributions over 5 years, FVCbank's total earnings would be $260.7 lower than Neighbors Bank's total earnings.

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Compare FVCbank's vs Neighbors Bank's Savings Accounts

	FVCbank		Neighbors Bank
Product	Advantage Direct Savings	vs	Neighbors Savings Account
APY	4.10% (as of 10/21/2025)		4.50% (as of 10/21/2025)
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 4.50% APY. Anything above will earn 0.05% APY.
App Store Rating	4.4/5		3.3/5
Google Play Rating	3.6/5		4.3/5
BBB Rating	A+		A+

Comparative Historical APY Insights (Last 7 Months)

	FVCbank		Neighbors Bank
Product	Advantage Direct Savings	vs	Neighbors Savings Account
Latest APY	4.10 %		4.50 %
Trend	Falling		Sideways
Slope (bps/mo)	-5.6		-0.3
Rate Changes / Mo	0.97		0.14
Days Since Last Change	27		7
High (-7 m)	4.55 %		4.60 %
Low (-7 m)	4.10 %		4.50 %
Draw-down from High	-9.9 %		-2.2 %
Volatility (CV)	0.030		0.004

APY Insights Glossary

Latest APY: Most recent advertised annual-percentage yield.
Trend: Direction over the last 7 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 (-7 m): Highest APY in the last 216 days.
Low (-7 m): Lowest APY in the last 216 days.
Draw-down from High: How far today sits below the 7-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.

More Comparisons

Compare FVCbank's APY of 4.10% with other banks

Bank Pair	Competitor APY	Min Deposit
FVCbank vs Ally Bank	3.40%	$0
FVCbank vs American Express	3.50%	$0
FVCbank vs Axos Bank	4.51%	$0
FVCbank vs Bank of America	0.01%	$100
FVCbank vs Barclays	4.10%	$0
FVCbank vs Bask Bank	4.05%	$0
FVCbank vs BrioDirect	4.20%	$5,000
FVCbank vs Capital One	3.40%	$0
FVCbank vs Chase Bank	0.01%	$0
FVCbank vs Chime	3.50%	$0
FVCbank vs CIT Bank	3.85%	$100
FVCbank vs Citizens Access™	3.50%	$0.01
FVCbank vs Discover Bank	3.40%	$0
FVCbank vs Elevault	4.34%	$0
FVCbank vs EverBank	4.05%	$0
FVCbank vs Fitness Bank	4.75%	$100
FVCbank vs FNBO Direct	3.00%	$1
FVCbank vs GO2bank	4.50%	$0
FVCbank vs LendingClub	4.20%	$0
FVCbank vs Marcus by Goldman Sachs	3.65%	$0
FVCbank vs Newtek Bank	4.35%	$0
FVCbank vs Peak Bank	4.20%	$100
FVCbank vs Pibank	4.60%	$0
FVCbank vs Presidential Bank	4.50%	$5,000
FVCbank vs Santander Bank	0.01%	$25
FVCbank vs SoFi Bank	4.50%	$0
FVCbank vs Synchrony Bank	3.80%	$0
FVCbank vs TIMBR	4.40%	$1,000
FVCbank vs UFB Direct	3.96%	$5000
FVCbank vs Valley Direct	4.10%	$1,000
FVCbank vs Varo Bank	5.00%	$0
FVCbank vs Wells Fargo	0.05%	$25
FVCbank vs Zynlo Bank	4.20%	$10

Compare Neighbors Bank's APY of 4.50% with other banks

Bank Pair	Competitor APY	Min Deposit
Neighbors Bank vs Ally Bank	3.40%	$0
Neighbors Bank vs American Express	3.50%	$0
Neighbors Bank vs Axos Bank	4.51%	$0
Neighbors Bank vs Bank of America	0.01%	$100
Neighbors Bank vs Barclays	4.10%	$0
Neighbors Bank vs Bask Bank	4.05%	$0
Neighbors Bank vs BrioDirect	4.20%	$5,000
Neighbors Bank vs Capital One	3.40%	$0
Neighbors Bank vs Chase Bank	0.01%	$0
Neighbors Bank vs Chime	3.50%	$0
Neighbors Bank vs CIT Bank	3.85%	$100
Neighbors Bank vs Citizens Access™	3.50%	$0.01
Neighbors Bank vs Discover Bank	3.40%	$0
Neighbors Bank vs Elevault	4.34%	$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 GO2bank	4.50%	$0
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
Neighbors Bank vs Peak Bank	4.20%	$100
Neighbors Bank vs Pibank	4.60%	$0
Neighbors Bank vs Presidential Bank	4.50%	$5,000
Neighbors Bank vs Santander Bank	0.01%	$25
Neighbors Bank vs SoFi Bank	4.50%	$0
Neighbors Bank vs Synchrony Bank	3.80%	$0
Neighbors Bank vs TIMBR	4.40%	$1,000
Neighbors Bank vs UFB Direct	3.96%	$5000
Neighbors Bank vs Valley Direct	4.10%	$1,000
Neighbors Bank vs Varo Bank	5.00%	$0
Neighbors Bank vs Wells Fargo	0.05%	$25
Neighbors Bank vs Zynlo Bank	4.20%	$10