Neighbors Bank vs. Pibank
Comparing Neighbors Bank and Pibank for high-yield savings: Neighbors Bank's Neighbors Savings Account pays 4.20% APY while Pibank's Pibank Savings pays 4.60% APY.
Note: Neighbors Bank caps its top rate at $250,000.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Pibank pays $40 more than Neighbors Bank annually ($460 vs $420).
Choose Neighbors Bank if you value in-person banking, or mobile app quality matters. Choose Pibank if getting the best rate matters most, or you want a no-strings-attached account.
| Metric | Neighbors BankNeighbors Savings Account Mar 7, 2026 | PibankPibank Savings Mar 7, 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 AccessRate Changes Often | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
Comparison Analysis
Comparing Neighbors Bank vs. Pibank
Executive Summary
Pibank offers a competitive savings product with its Pibank Savings account, featuring a high APY of 4.60%. This online-only account has no minimum deposit requirement and no maintenance fees, making it accessible and straightforward for savers. In comparison, Neighbors Bank provides a Neighbors Savings Account with a slightly lower APY of 4.20%, applicable on balances up to $250,000, but anything above that earns only 0.05% APY. While Neighbors Bank does not require direct deposit, it is not available in Delaware. Overall, Pibank's higher APY and simpler terms position it as 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.
Why Neighbors Bank?
- ✓Physical branch access (One location in Columbia, Missouri)
- ✓Higher rated Android app (4.4 vs 1.6)
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.
Non-sponsored link to official site
Non-sponsored link to official site
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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $419 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 | 4.20% Verified: 3/7/2026 ↘︎ 0.30%90d Change | 4.60% Verified: 3/7/2026 Stable (90d) |
| Product Name | Neighbors Savings Account | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| 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 4.20% 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) | -3.9 | 0.0 |
Days Since Change | 51 | 365 |
12-Month High | 4.75% | 4.60% |
12-Month Low | 4.20% | 4.60% |
Adjustments / Mo | 0.33 | 0.00 |
Volatility Score | 0.036 | 0.000 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Neighbors Bank's APY of 4.20% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Neighbors Bank vs Ally Bank | 3.20% | $0 |
| Neighbors Bank vs American Express | 3.30% | $0 |
| Neighbors Bank vs Axos Bank | 4.21% | $0 |
| Neighbors Bank vs Bank of America | 0.01% | $100 |
| Neighbors Bank vs Barclays | 3.85% | $0 |
| Neighbors Bank vs Capital One | 3.30% | $0 |
| Neighbors Bank vs Chase Bank | 0.01% | $0 |
| Neighbors Bank vs Chime | 3.00% | $0 |
| Neighbors Bank vs CIT Bank | 3.75% | $100 |
| Neighbors Bank vs Citibank | 3.20% | $0 |
| Neighbors Bank vs Discover Bank | 3.30% | $0 |
| Neighbors Bank vs EverBank | 3.90% | $0 |
| Neighbors Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Neighbors Bank vs Newtek Bank | 4.20% | $0.01 |
| Neighbors Bank vs Openbank | 4.09% | $500 |
| Neighbors Bank vs SoFi Bank | 4.00% | $0 |
| Neighbors Bank vs Synchrony Bank | 3.50% | $0 |
| Neighbors Bank vs Varo Bank | 5.00% | $0 |
| Neighbors Bank vs Wealthfront | 4.20% | $0 |
| Neighbors Bank vs Wells Fargo | 0.05% | $25 |