Neighbors Bank vs Pibank
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of Neighbors Bank vs. Pibank
As of 9/5/2025 both Neighbors Bank (Neighbors Savings Account) and Pibank (Pibank Savings) offer an APY of 4.60% .
Both banks yield $460 in interest on a $10,000 balance after one year. Neither has an APY advantage, so consider other features (fees, access, app ratings, etc.) when choosing.
Neighbors Bank
Strengths
- Neighbors Bank has a higher App Store rating at 3.3.
- Neighbors Bank offers a physical branch in Columbia, Missouri.
- Neighbors Bank has an A+ BBB rating.
Potential Drawbacks
- Neighbors Bank's APY is the same as 30 days ago.
Pibank
Strengths
- Pibank offers a competitive APY of 4.60%.
Potential Drawbacks
- Pibank has a lower App Store rating at 2.4.
- Pibank has no physical branches.
- Pibank has a significantly lower Google Play rating at 1.8.
Summary: Both Neighbors Bank and Pibank offer a 4.60% APY on their high-yield savings accounts. However, Neighbors Bank has a physical branch and better App Store and BBB ratings, while Pibank lacks branches and has lower app ratings. Neighbors Bank's APY has remained unchanged over the past month, similar to Pibank's APY stability.
Compare Neighbors Bank's vs Pibank's Savings Accounts
| Neighbors Bank | Pibank | ||
|---|---|---|---|
| Product | Neighbors Savings Account | vs | Pibank Savings |
| APY | 4.60% (as of 9/5/2025) | 4.60% (as of 9/5/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | N/A | Daily | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Eligibility | Not available in Delaware. | United States | |
| Note | Balances up to $250,000 earn 4.60% APY. Anything above will earn 0.05% APY. | ||
| App Store Rating | 3.3/5 | 2.4/5 | |
| Google Play Rating | 4.3/5 | 1.8/5 | |
| BBB Rating | A+ | A |
Comparative Historical APY Insights (Last 6 Months)
| Neighbors Bank | Pibank | ||
|---|---|---|---|
| Product | Neighbors Savings Account | vs | Pibank Savings |
| Latest APY | 4.60 % | 4.60 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -1.0 | -0.0 | |
| Rate Changes / Mo | 0.16 | 0.00 | |
| Days Since Last Change | 177 | 191 | |
| High (-6 m) | 4.75 % | 4.60 % | |
| Low (-6 m) | 4.60 % | 4.60 % | |
| Draw-down from High | -3.2 % | 0.0 % | |
| Volatility (CV) | 0.009 | 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 191 days.
- Low (-6 m)
- Lowest APY in the last 191 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 Neighbors Bank vs Pibank
All calculations are based on APY.
Neighbors 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 OverviewPibank
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, Neighbors Bank's total earnings would be the same as Pibank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare Neighbors Bank's APY of 4.60% with other banks
Compare Pibank's APY of 4.60% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Pibank vs Ally Bank | 3.50% | $0 |
| Pibank vs American Express | 3.50% | $0 |
| Pibank vs Axos Bank | 4.46% | $0 |
| Pibank vs Bank of America | 0.01% | $100 |
| Pibank vs Barclays | 4.10% | $0 |
| Pibank vs BrioDirect | 4.30% | $5,000 |
| Pibank vs Capital One | 3.50% | $0 |
| Pibank vs Chase Bank | 0.01% | $0 |
| Pibank vs Chime | 3.75% | $0 |
| Pibank vs CIT Bank | 4.00% | $100 |
| Pibank vs Discover Bank | 3.50% | $0 |
| Pibank vs Elevault | 4.60% | $0 |
| Pibank vs EverBank | 4.30% | $0 |
| Pibank vs Fitness Bank | 4.75% | $100 |
| Pibank vs FVCbank | 4.35% | $500 |
| Pibank vs GO2bank | 4.50% | $0 |
| Pibank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Pibank vs Newtek Bank | 4.35% | $0 |
| Pibank vs Peak Bank | 4.35% | $100 |
| Pibank vs Presidential Bank | 4.50% | $5,000 |
| Pibank vs Santander Bank | 0.03% | $25 |
| Pibank vs SoFi Bank | 3.80% | $0 |
| Pibank vs Synchrony Bank | 3.80% | $0 |
| Pibank vs TIMBR | 4.40% | $1,000 |
| Pibank vs UFB Direct | 4.21% | $5000 |
| Pibank vs Varo Bank | 5.00% | $0 |
| Pibank vs Wells Fargo | 2.51% | $25 |
| Pibank vs Zynlo Bank | 4.35% | $10 |