Neighbors Bank vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Neighbors BankNeighbors Savings Account Jan 21, 2026 | PibankPibank Savings Jan 21, 2026 |
|---|---|---|
| APY | 4.20% | 4.60% |
Est. Earnings | $5,000+$210 $10,000+$420 $25,000+$1,050 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | Balances up to $250,000 earn 4.20% APY. Anything above will earn 0.05% APY. | - |
| Features | FDIC InsuredNo MinimumsGreat Android AppIn-Person Access | FDIC InsuredNo Minimums |
Comparison Analysis
Comparing Neighbors Bank vs. Pibank
As of Neighbors Bank offers an APY of 4.20% for its Neighbors Savings Account, with a minimum balance of $0, compared to Pibank's 4.60% APY for its Pibank Savings account, with a minimum balance of $0.01.
Pibank pays $40 more than Neighbors Bank on a $10,000 balance after one year. Neighbors Bank pays $420, while Pibank pays $460 - an APY advantage for Pibank.
Why Neighbors Bank?
- ✓Physical branch access (One location in Columbia, Missouri)
- ✓Higher rated Android app (4.4 vs 1.7)
Why Pibank?
- ✓Higher potential APY (4.60% vs 4.20%) on all balances
- ✓No checking account or direct deposit required
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $420/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $1050/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $40 more interest on a $10,000 balance than Neighbors Bank's Neighbors Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Pibank offers a competitive savings product with its Pibank Savings account, which features a high APY of 4.60%. This account is online-only and requires a minimum balance of just $0.01, with no maintenance fees or direct deposit requirements. In contrast, Neighbors Bank provides the Neighbors Savings Account with a slightly lower APY of 4.20% for balances up to $250,000, after which the rate drops significantly to 0.05%. While Neighbors Bank does not have a minimum balance requirement or maintenance fees, it is not available in Delaware. Overall, Pibank's higher APY and simpler terms make it the more attractive option.
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
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Top Market Contenders
Neighbors Bank vs. Pibank Savings Calculator
You earn $40 more with Pibank than Neighbors Bank on a $10,000 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.
Neighbors Bank
Neighbors Savings Account
4.20% on first $250,000 and 0.05% thereafter.
Savings Breakdown
- Interest Earned+$420.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,420.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Neighbors Bank | Pibank |
|---|---|---|
| APY | 4.20% Verified: 1/21/2026 ↘︎ 0.30%90d Change | 4.60% Verified: 1/21/2026 Stable (90d) |
| Product Name | Neighbors Savings Account | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| 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 | iOS2.3 Android1.7 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A |
| Important Notes | Balances up to $250,000 earn 4.20% APY. Anything above will earn 0.05% APY. | - |
| Next Steps | Visit SiteVerify at Neighbors Bank Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Neighbors Bank | Pibank |
|---|---|---|
| Neighbors Savings Account | Pibank Savings | |
Current APY | 4.20% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.0 | 0.0 |
Days Since Change | 6 | 329 |
11-Month High | 4.75% | 4.60% |
11-Month Low | 4.20% | 4.60% |
Adjustments / Mo | 0.36 | 0.00 |
Volatility Score | 0.027 | 0.000 |
How to read these metrics(Click to expand)
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