Neighbors Bank vs. Popular Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Neighbors BankNeighbors Savings Account Jan 7, 2026 | Popular DirectPopular Direct Select Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.30% | 3.90% |
Est. Earnings | $5,000+$215 $10,000+$430 $25,000+$1,075 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
Terms | Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY. | - |
| Features | FDIC InsuredNo MinimumsGreat Android AppIn-Person Access | FDIC InsuredLow Minimums |
Comparison Analysis
Comparing Neighbors Bank vs. Popular Direct
As of Neighbors Bank offers an APY of 4.30% for its Neighbors Savings Account, with a minimum balance of $0, compared to Popular Direct's 3.90% APY for its Popular Direct Select Savings account, with a minimum balance of $0.01.
Neighbors Bank pays $40 more than Popular Direct on a $10,000 balance after one year. Neighbors Bank pays $430, while Popular Direct pays $390 - an APY advantage for Neighbors Bank.
Why Neighbors Bank?
- ✓Higher potential APY (4.30% vs 3.90%) on all balances
- ✓Physical branch access (One location in Columbia, Missouri)
- ✓Higher rated Android app (4.4 vs 1.3)
Why Popular Direct?
- ✓No checking account or direct deposit required
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
Neighbors BankNeighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $430 vs $390/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1075 vs $975/yr).
Best for Simplicity
Popular DirectPopular Direct's Popular Direct Select Savings offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $40 more interest on a $10,000 balance than Popular Direct's Popular Direct Select Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Neighbors Bank offers a competitive Neighbors Savings Account with an APY of 4.30% on balances up to $250,000, making it the superior choice compared to Popular Direct's Select Savings, which yields 3.90% APY. Both accounts have no maintenance fees and do not require direct deposit, but the Neighbors Savings Account is not available in Delaware. Popular Direct's account is online-only and has a minimum deposit of $100, while Neighbors Bank has no minimum deposit requirement.
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
Non-sponsored link to official site
Top Market Contenders
Neighbors Bank vs. Popular Direct Savings Calculator
You earn $40 more with Neighbors Bank than Popular Direct 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
4.30% on first $250,000 and 0.05% thereafter.
Savings Breakdown
- Interest Earned+$430.00(4.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,430.00
Popular Direct
Popular Direct Select Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Neighbors Bank | Popular Direct |
|---|---|---|
| APY | 4.30% Verified: 1/7/2026 ↘︎ 0.30%90d Change | 3.90% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | Neighbors Savings Account | Popular Direct Select Savings |
| Minimum Deposit | $0 | $100 |
| 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 | iOS1.3 Android1.3 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY. | - |
| Next Steps | Visit SiteVerify at Neighbors Bank Non-sponsored link to official site | Visit SiteVerify at Popular Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Neighbors Bank | Popular Direct |
|---|---|---|
| Neighbors Savings Account | Popular Direct Select Savings | |
Current APY | 4.30% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.6 | -1.5 |
Days Since Change | 28 | 23 |
10-Month High | 4.75% | 4.30% |
10-Month Low | 4.30% | 3.90% |
Adjustments / Mo | 0.28 | 0.66 |
Volatility Score | 0.023 | 0.017 |
How to read these metrics(Click to expand)
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