MutualOne Bank vs. Neighbors Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | MutualOne BankMo Premium Savings Jan 7, 2026 | Neighbors BankNeighbors Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 4.07% | 4.30% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$1,018 | $5,000+$215 $10,000+$430 $25,000+$1,075 |
Min Deposit | $20,000 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY. |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat Android AppIn-Person Access |
Comparison Analysis
Comparing MutualOne Bank vs. Neighbors Bank
As of MutualOne Bank offers an APY of 4.07% for its Mo Premium Savings account, with a minimum balance of $20,000, compared to Neighbors Bank's 4.30% APY for its Neighbors Savings Account, with a minimum balance of $0.
Neighbors Bank pays $23 more than MutualOne Bank on a $10,000 balance after one year. MutualOne Bank pays $407, while Neighbors Bank pays $430 - an APY advantage for Neighbors Bank.
In addition, MutualOne Bank also offers 0.40% APY for the Online Savings account, with a minimum balance of 0.
Why MutualOne Bank?
- ✓No checking account or direct deposit required
- ✓Higher rated iOS app (4.9 vs 3.3)
- ✓Fast transfers via Zelle®
- ✓Available Nationwide
Why Neighbors Bank?
- ✓Higher potential APY (4.30% vs 4.07%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Neighbors BankNeighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $430 vs $0/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1075 vs $1018/yr).
Best for Simplicity
MutualOne BankMutualOne Bank's Mo Premium Savings offers 4.07% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $23 more interest on a $10,000 balance than MutualOne Bank's Mo Premium Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Neighbors Bank offers a competitive Neighbors Savings Account with an APY of 4.30%, making it the winner in this comparison. This account allows balances up to $250,000 to earn the higher rate, while amounts above that earn 0.05% APY. In contrast, MutualOne Bank's Mo Premium Savings provides a solid 4.07% APY but requires a minimum deposit of $20,000. Both banks have no maintenance fees or direct deposit requirements, but Neighbors Bank's account is not available in Delaware. For those seeking higher returns on smaller deposits, Neighbors Bank stands out.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
MutualOne Bank vs. Neighbors Bank Savings Calculator
You earn $46 more with Neighbors Bank than MutualOne Bank on a $20,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$814.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,814.00
Neighbors Bank
Neighbors Savings Account
4.30% on first $250,000 and 0.05% thereafter.
Savings Breakdown
- Interest Earned+$860.00(4.1%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,860.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | MutualOne Bank | Neighbors Bank |
|---|---|---|
| APY | 4.07% Verified: 1/7/2026 Stable (90d) | 4.30% Verified: 1/7/2026 ↘︎ 0.30%90d Change |
| Product Name | Mo Premium Savings | Neighbors Savings Account |
| Minimum Deposit | $20,000 | $0 |
| Min. Balance for APY | $20,000 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.4 | iOS3.3 Android4.4 |
| Zelle® Support | Available Verified via website and app descriptions. | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | - | Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY. |
| Next Steps | Visit SiteVerify at MutualOne Bank Non-sponsored link to official site | Visit SiteVerify at Neighbors Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | MutualOne Bank | Neighbors Bank | |
|---|---|---|---|
| Online Savings | Mo Premium Savings | Neighbors Savings Account | |
Current APY | 0.40% | 4.07% | 4.30% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -0.0 | -8.9 |
Days Since Change | 114 | 114 | 28 |
4-Month High | 0.40% | 4.07% | 4.60% |
4-Month Low | 0.40% | 4.07% | 4.30% |
Adjustments / Mo | 0.00 | 0.00 | 0.51 |
Volatility Score | 0.000 | 0.000 | 0.024 |
How to read these metrics(Click to expand)
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