Neighbors Bank vs. Pibank
Neighbors Bank and Pibank both offer 4.10% APY on their high-yield savings accounts. With identical rates, your choice comes down to other factors like mobile app quality, branch access, or customer service reputation.
The Bottom Line
The Neighbors Bank and Pibank savings accounts are very similar. Choose Neighbors Bank if you value in-person banking, or mobile app quality matters. Choose Pibank if you want a no-strings-attached account.
| Metric | Neighbors BankNeighbors Savings Account Jul 20, 2026 | PibankPibank Savings Jul 20, 2026 |
|---|---|---|
| APY | 4.10% | 4.10% |
Est. Earnings | $5,000+$205 $10,000+$410 $25,000+$1,025 | $5,000+$205 $10,000+$410 $25,000+$1,025 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | Balances up to $250,000 earn 4.10% APY. Anything above will earn 0.05% APY. | - |
| Features | FDIC InsuredNo MinimumsGreat Android AppIn-Person AccessRate Changes Often | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
Comparison Analysis
Comparing Neighbors Bank vs. Pibank
Executive Summary
Both Neighbors Bank and Pibank offer competitive savings accounts with an APY of 4.10%. Neighbors Bank's Neighbors Savings Account allows balances up to $250,000 to earn this rate, while amounts above that earn a lower rate of 0.05%. In contrast, Pibank's Pibank Savings account is online-only and has no such balance cap or direct deposit requirement, making it a simpler option. Both accounts have no maintenance fees and require no minimum deposit, but Pibank's account is noted for its simplicity.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Neighbors Bank?
- ✓Physical branch access (One location in Columbia, Missouri)
- ✓Higher rated Android app (4.4 vs 1.8)
Why Pibank?
- ✓No checking account or direct deposit required
- ✓Available Nationwide
— Key Feature Differences —
Best for Simplicity
PibankPibank's Pibank Savings offers 4.10% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Neighbors Bank vs. Pibank Savings Calculator
Both accounts earn exactly the same amount.
Neighbors Bank
Neighbors Savings Account
4.10% on first $250,000 and 0.05% thereafter.
Savings Breakdown
- Interest Earned+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $409 per year in interest.
Both Neighbors Bank and Pibank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Neighbors Bank | Pibank |
|---|---|---|
| APY | 4.10% Verified: 7/20/2026 ↘︎ 0.10%90d Change | 4.10% Verified: 7/20/2026 ↘︎ 0.30%90d Change |
| Product Name | Neighbors Savings Account | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | N/A | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | One location in Columbia, Missouri | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | Balances up to $250,000 earn 4.10% 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 | 4.10% | 4.10% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.2 | -2.8 |
Days Since Change | 76 | 18 |
12-Month High | 4.60% | 4.60% |
12-Month Low | 4.10% | 4.10% |
Adjustments / Mo | 0.33 | 0.16 |
Volatility Score | 0.044 | 0.029 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare Neighbors Bank's APY of 4.10% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Neighbors Bank vs Ally Bank | 3.10% | $0 |
| Neighbors Bank vs American Express | 3.00% | $0 |
| Neighbors Bank vs Axos Bank | 4.21% | $0 |
| Neighbors Bank vs Barclays | 3.65% | $0 |
| Neighbors Bank vs Capital One | 3.00% | $0 |
| Neighbors Bank vs Chime | 3.00% | $0 |
| Neighbors Bank vs CIT Bank | 3.75% | $100 |
| Neighbors Bank vs Discover Bank | 3.30% | $0 |
| Neighbors Bank vs EverBank | 3.90% | $0 |
| Neighbors Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Neighbors Bank vs Newtek Bank | 4.20% | $0.01 |
| Neighbors Bank vs Openbank | 4.00% | $500 |
| Neighbors Bank vs SoFi Bank | 3.80% | $0 |
| Neighbors Bank vs Synchrony Bank | 3.30% | $0 |
| Neighbors Bank vs Varo Bank | 5.00% | $0 |
| Neighbors Bank vs Wealthfront | 4.20% | $0 |