Neighbors Bank vs. Quontic Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Neighbors BankNeighbors Savings Account Jan 7, 2026 | Quontic BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.30% | 3.50% |
Est. Earnings | $5,000+$215 $10,000+$430 $25,000+$1,075 | $5,000+$175 $10,000+$350 $25,000+$875 |
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 MinimumsGreat iOS AppGreat Android AppZelle® Supported |
Comparison Analysis
Comparing Neighbors Bank vs. Quontic Bank
As of Neighbors Bank offers an APY of 4.30% for its Neighbors Savings Account, with a minimum balance of $0, compared to Quontic Bank's 3.50% APY for its High Yield Savings account, with a minimum balance of $0.
Neighbors Bank pays $80 more than Quontic Bank on a $10,000 balance after one year. Neighbors Bank pays $430, while Quontic Bank pays $350 - an APY advantage for Neighbors Bank.
Why Neighbors Bank?
- ✓Higher potential APY (4.30% vs 3.50%) on all balances
- ✓Physical branch access (One location in Columbia, Missouri)
Why Quontic Bank?
- ✓No checking account or direct deposit required
- ✓Higher rated iOS app (4.8 vs 3.3)
- ✓Higher rated Android app (4.9 vs 4.4)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
- ✓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 $350/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1075 vs $875/yr).
Best for Simplicity
Quontic BankQuontic Bank's High Yield Savings offers 3.50% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Quontic BankQuontic Bank offers an iOS app rated 4.8 (vs. 3.3) and Android app rated 4.9 (vs. 4.4)
Shared Benefits
Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $80 more interest on a $10,000 balance than Quontic Bank's High Yield 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 a strong choice for savers, especially those with larger deposits. In contrast, Quontic Bank's High Yield Savings account provides a lower APY of 3.50%, but is noted for its simplicity and ease of access, being online-only with no direct deposit requirement. Both accounts have no maintenance fees, but Neighbors Bank's higher APY positions it as the more lucrative option for savers looking to maximize their returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Neighbors Bank vs. Quontic Bank Savings Calculator
You earn $80 more with Neighbors Bank than Quontic 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
4.30% 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
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Neighbors Bank | Quontic Bank |
|---|---|---|
| APY | 4.30% Verified: 1/7/2026 ↘︎ 0.30%90d Change | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| Product Name | Neighbors Savings Account | High Yield Savings |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| 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 | iOS4.8 Android4.9 |
| Zelle® Support | Not Supported | Available Limit: $1,000/dayDigital-first bank with full native support. |
| 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 SiteGo to Quontic Bank * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Neighbors Bank | Quontic Bank |
|---|---|---|
| Neighbors Savings Account | High Yield Savings | |
Current APY | 4.30% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.6 | -1.7 |
Days Since Change | 28 | 8 |
10-Month High | 4.75% | 3.85% |
10-Month Low | 4.30% | 3.50% |
Adjustments / Mo | 0.28 | 0.19 |
Volatility Score | 0.023 | 0.019 |
How to read these metrics(Click to expand)
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