High-Yield Savings Account Comparison

Neighbors Bank vs. Peak 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.

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 Freq	N/A
Direct Deposit	Not required
Branch Access	One location in Columbia, Missouri
Deposit Insurance	FDIC Insured(Cert: 16247)
Eligibility	Not available in Delaware.
Mobile Ratings	iOS:3.3 Android: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

Peak Bank

Envision High Yield Savings

4.20%

APY

Dec 6, 2025

FDIC InsuredLow MinimumsGreat iOS AppGreat Android App

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	Daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 58095)
Eligibility	United States
Mobile Ratings	iOS:4.8 Android:4.6
BBB Rating	A+(Not BBB Accredited)

Rate Stability

Rate Adjusted

-0.15%

Since 90 days ago

Read Bank Overview

Comparison Analysis

Comparing Neighbors Bank vs. Peak Bank

Updated: Dec 6, 2025

Why Neighbors Bank?

✓Higher potential APY (4.50% vs 4.20%) on all balances
✓Physical branch access (One location in Columbia, Missouri)

Why Peak Bank?

✓Higher rated iOS app (4.8 vs 3.3)
✓Available Nationwide

— Key Feature Differences —

Better Returns at $10,000

Neighbors Bank

Neighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $450 vs $420/yr).

Better Returns at $25,000

Neighbors Bank

Neighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1125 vs $1050/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

Peak Bank

Peak Bank offers an iOS app rated 4.8 (vs. 3.3) and Android app rated 4.6 (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 $30 more interest on a $10,000 balance than Peak Bank's Envision High Yield Savings.

Peak BankNeighbors Bank

Automated Data Audit

Executive Summary

Neighbors Bank offers the Neighbors Savings Account with a competitive APY of 4.50%, making it the clear choice for savers, especially since it has no direct deposit requirement or maintenance fees. This account is ideal for balances up to $250,000, above which the APY drops to 0.05%. In contrast, Peak Bank's Envision High Yield Savings account provides a slightly lower APY of 4.20% and requires a minimum deposit of $100. While Peak Bank excels in mobile app experience, Neighbors Bank stands out for its higher yield and simplicity.

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.

ExploreNeighbors Bank ExplorePeak Bank

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See who beats both Neighbors Bank and Peak 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 Neighbors Bank Pibank vs Peak Bank

Feature	Neighbors Bank	Peak Bank
APY	4.50% Verified: 12/6/2025 ↘︎ 0.10%90d Change	4.20% Verified: 12/6/2025 ↘︎ 0.15%90d Change
Product Name	Neighbors Savings Account	Envision High Yield Savings
Minimum Deposit	$0	$100
Min. Balance for APY	$0	N/A
Monthly Fee	$0	$0
Branch Access	Yes	None
Account Type	Online & Branches	Online Only
Direct Deposit Req.	None	None
Checking Bundle	No	No
Mobile Apps	iOS3.3 Android4.4	iOS4.8 Android4.6
BBB Rating	A+	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.

Initial Deposit

Recurring Deposit

Frequency

Duration

Neighbors Bank earns $195.8 more than Peak Bank.

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

Peak Bank

Envision High Yield Savings

4.20% APY

Savings Breakdown

Interest Earned
+$2,564.30(12.5%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,564.30

Effective APY

4.20%

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

Metric	Neighbors Bank	Peak Bank
	Neighbors Savings Account	Envision High Yield Savings
Current APYMost recent advertised annual-percentage yield.	4.50%	4.20%
TrendDirection over the last 9 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	-1.5	-4.2
Days Since ChangeRecency of the latest APY adjustment.	53	66
9-Month HighHighest APY in the last 283 days.	4.75%	4.54%
9-Month LowLowest APY in the last 283 days.	4.50%	4.20%
Adjustments / MoTypical number of APY moves per month.	0.21	0.42
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.012	0.029

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 283-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.

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More Comparisons

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

Bank Pair	Competitor APY	Min Deposit
Neighbors Bank vs Ally Bank	3.30%	$0
Neighbors Bank vs American Express	3.40%	$0
Neighbors Bank vs Axos Bank	4.31%	$0
Neighbors Bank vs Bank of America	0.01%	$100
Neighbors Bank vs Barclays	4.00%	$0
Neighbors Bank vs Bask Bank	3.90%	$0
Neighbors Bank vs BMO Alto	3.25%	$0
Neighbors Bank vs BrioDirect	4.00%	$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	3.75%	$100
Neighbors Bank vs Citibank	3.30%	$0
Neighbors Bank vs Citizens Access™	3.35%	$0.01
Neighbors Bank vs Climate First Bank	4.21%	$50
Neighbors Bank vs Discover Bank	3.40%	$0
Neighbors Bank vs Elevault	4.08%	$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 Forbright Bank	4.00%	$0
Neighbors Bank vs FVCbank	3.85%	$500
Neighbors Bank vs GO2bank	4.50%	$0
Neighbors Bank vs Ivy Bank	4.25%	$2,500
Neighbors Bank vs LendingClub	4.20%	$0
Neighbors Bank vs Marcus by Goldman Sachs	3.65%	$0
Neighbors Bank vs Newtek Bank	4.35%	$0.01
Neighbors Bank vs Openbank	4.20%	$500
Neighbors Bank vs Pibank	4.60%	$0
Neighbors Bank vs PNC	3.53%	$0
Neighbors Bank vs Presidential Bank	4.00%	$5,000
Neighbors Bank vs Quontic Bank	3.75%	$100
Neighbors Bank vs Salem Five Direct	3.71%	$10
Neighbors Bank vs Santander Bank	0.01%	$25
Neighbors Bank vs SoFi Bank	4.30%	$0
Neighbors Bank vs Synchrony Bank	3.65%	$0
Neighbors Bank vs TIMBR	4.40%	$1,000
Neighbors Bank vs UFB Direct	3.71%	$5000
Neighbors Bank vs Valley Direct	4.10%	$1,000
Neighbors Bank vs Varo Bank	5.00%	$0
Neighbors Bank vs Vio Bank	4.16%	$100
Neighbors Bank vs Wealthfront	4.15%	$0
Neighbors Bank vs Wells Fargo	0.05%	$25
Neighbors Bank vs Zynlo Bank	4.05%	$10

Compare Peak Bank's APY of 4.20% with other banks

Bank Pair	Competitor APY	Min Deposit
Peak Bank vs Ally Bank	3.30%	$0
Peak Bank vs American Express	3.40%	$0
Peak Bank vs Axos Bank	4.31%	$0
Peak Bank vs Bank of America	0.01%	$100
Peak Bank vs Barclays	4.00%	$0
Peak Bank vs Bask Bank	3.90%	$0
Peak Bank vs BMO Alto	3.25%	$0
Peak Bank vs BrioDirect	4.00%	$5,000
Peak Bank vs Capital One	3.40%	$0
Peak Bank vs Chase Bank	0.01%	$0
Peak Bank vs Chime	3.50%	$0
Peak Bank vs CIT Bank	3.75%	$100
Peak Bank vs Citibank	3.30%	$0
Peak Bank vs Citizens Access™	3.35%	$0.01
Peak Bank vs Climate First Bank	4.21%	$50
Peak Bank vs Discover Bank	3.40%	$0
Peak Bank vs Elevault	4.08%	$0
Peak Bank vs EverBank	4.05%	$0
Peak Bank vs Fitness Bank	4.75%	$100
Peak Bank vs FNBO Direct	3.00%	$1
Peak Bank vs Forbright Bank	4.00%	$0
Peak Bank vs FVCbank	3.85%	$500
Peak Bank vs GO2bank	4.50%	$0
Peak Bank vs Ivy Bank	4.25%	$2,500
Peak Bank vs LendingClub	4.20%	$0
Peak Bank vs Marcus by Goldman Sachs	3.65%	$0
Peak Bank vs Newtek Bank	4.35%	$0.01
Peak Bank vs Openbank	4.20%	$500
Peak Bank vs Pibank	4.60%	$0
Peak Bank vs PNC	3.53%	$0
Peak Bank vs Presidential Bank	4.00%	$5,000
Peak Bank vs Quontic Bank	3.75%	$100
Peak Bank vs Salem Five Direct	3.71%	$10
Peak Bank vs Santander Bank	0.01%	$25
Peak Bank vs SoFi Bank	4.30%	$0
Peak Bank vs Synchrony Bank	3.65%	$0
Peak Bank vs TIMBR	4.40%	$1,000
Peak Bank vs UFB Direct	3.71%	$5000
Peak Bank vs Valley Direct	4.10%	$1,000
Peak Bank vs Varo Bank	5.00%	$0
Peak Bank vs Vio Bank	4.16%	$100
Peak Bank vs Wealthfront	4.15%	$0
Peak Bank vs Wells Fargo	0.05%	$25
Peak Bank vs Zynlo Bank	4.05%	$10