High-Yield Savings Account Comparison

Neighbors Bank vs. Sallie Mae Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl

Updated December 10, 2025

Neighbors Bank

Neighbors Savings Account

4.30%

APY

Dec 10, 2025

FDIC InsuredNo MinimumsGreat Android AppIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Branch Access	One location in Columbia, Missouri
Deposit Insurance	FDIC Insured(Cert: 16247)
Eligibility	Not available in Delaware.
Mobile Ratings	iOS:3.3 Android:4.4
BBB Rating	A+(BBB Accredited)

Important Note

Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY.

Rate Stability

7 days

↘︎ 0.20%

90 days

↘︎ 0.30%

Read Bank Overview

Sallie Mae Bank

High-Yield Savings Account

3.90%

APY

Dec 10, 2025

FDIC InsuredNo Minimums

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	Daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 58177)
Eligibility	United States
Mobile Ratings	iOS:1.5 Android:1.6
BBB Rating	A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days

Read Bank Overview

Neighbors Bank vs. Sallie Mae Bank Savings Calculator

Calculations based on current APY for Neighbors Savings Account and High-Yield Savings Account

Initial Deposit

Recurring Deposit

Frequency

Duration

Neighbors Bank earns $259.2 more than Sallie Mae Bank.

Neighbors Bank

Neighbors Savings Account

4.30% APY

Savings Breakdown

Interest Earned
+$2,629.40(12.7%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,629.40

Effective APY

4.30%

View Details

Sallie Mae Bank

High-Yield Savings Account

3.90% APY

Savings Breakdown

Interest Earned
+$2,370.20(11.6%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,370.20

Effective APY

3.90%

View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing Neighbors Bank vs. Sallie Mae Bank

Updated: Dec 10, 2025

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 1.6)

Why Sallie Mae Bank?

✓Available Nationwide

— Key Feature Differences —

Better Returns at $10,000

Neighbors Bank

Neighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $430 vs $390/yr).

Better Returns at $25,000

Neighbors Bank

Neighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1075 vs $975/yr).

Best for Simplicity

Neighbors Bank

Neighbors Bank's Neighbors Savings Account offers 4.30% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Both offer monthly maintenance-free account options Both banks have options with $0 opening deposit Available to New & Existing Customers

The Bottom Line on APY (Interest Only)

Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $40 more interest on a $10,000 balance than Sallie Mae Bank's High-Yield Savings Account.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

Sallie Mae BankNeighbors Bank

Automated Data Audit

Executive Summary

Neighbors Bank offers a competitive Neighbors Savings Account with an APY of 4.30%, making it the winner in this comparison. This account allows balances up to $250,000 to earn the high rate, with no direct deposit requirement or maintenance fees, providing excellent returns for both small and large deposits. In contrast, Sallie Mae Bank's High-Yield Savings Account provides a lower APY of 3.90% and is available only online. Both accounts require no minimum deposit or balance, but Neighbors Bank's offering stands out for its higher yield and flexibility.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExploreNeighbors Bank ExploreSallie Mae Bank

Top Market Contenders

See who beats both Neighbors Bank and Sallie Mae Bank.

Compare All High-Yield Savings Accounts

Pibank

Pibank Savings

FDIC InsuredNo Minimums

4.60% APY

+0.30% vs Neighbors Bank

Better Rate

Pibank vs Neighbors Bank Pibank vs Sallie Mae Bank

Axos Bank

Axos ONE

FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

4.31% APY

Better Rate

Axos Bank vs Neighbors Bank Axos Bank vs Sallie Mae Bank

TIMBR

Premium Savings Account

FDIC InsuredLow Minimums

4.40% APY

+0.10% vs Neighbors Bank

Better Rate

TIMBR vs Neighbors Bank TIMBR vs Sallie Mae Bank

Feature	Neighbors Bank	Sallie Mae Bank
APY	4.30% Verified: 12/10/2025 ↘︎ 0.30%90d Change	3.90% Verified: 12/10/2025 Stable (90d)
Product Name	Neighbors Savings Account	High-Yield Savings Account
Minimum Deposit	$0	$0
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	iOS1.5 Android1.6
BBB Rating	A+	A+
Important Notes	Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY.	-
Next Steps	- View Details	- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 9 Months Analysis

Metric	Neighbors Bank	Sallie Mae Bank
	Neighbors Savings Account	High-Yield Savings Account
Current APYMost recent advertised annual-percentage yield.	4.30%	3.90%
TrendDirection over the last 9 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	-1.6	0.0
Days Since ChangeRecency of the latest APY adjustment.	0	287
9-Month HighHighest APY in the last 288 days.	4.75%	3.90%
9-Month LowLowest APY in the last 288 days.	4.30%	3.90%
Adjustments / MoTypical number of APY moves per month.	0.31	0.00
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.013	0.000

How to read these metrics(Click to expand)

Trends & Velocity

Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

High/Low: The absolute ceiling and floor of the rate during the 288-day window.
Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

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More Comparisons

Compare Neighbors Bank's APY of 4.30% with other banks

Bank Pair	Competitor APY	Min Deposit
Neighbors Bank vs Affirm	3.60%	$0
Neighbors Bank vs Ally Bank	3.30%	$0
Neighbors Bank vs American Express	3.40%	$0
Neighbors Bank vs Axos Bank	4.31%	$0
Neighbors Bank vs Bank of America	0.01%	$100
Neighbors Bank vs Barclays	4.00%	$0
Neighbors Bank vs Bask Bank	3.90%	$0
Neighbors Bank vs Betterment	3.50%	$10
Neighbors Bank vs BMO Alto	3.25%	$0
Neighbors Bank vs Bread Savings	4.10%	$100
Neighbors Bank vs BrioDirect	4.00%	$5,000
Neighbors Bank vs Capital One	3.40%	$0
Neighbors Bank vs Charles Schwab Bank	0.15%	$0
Neighbors Bank vs Chase Bank	0.01%	$0
Neighbors Bank vs Chime	3.50%	$0
Neighbors Bank vs CIT Bank	3.75%	$100
Neighbors Bank vs Citibank	3.30%	$0
Neighbors Bank vs Citizens Access™	3.15%	$0.01
Neighbors Bank vs Climate First Bank	4.21%	$50
Neighbors Bank vs Discover Bank	3.40%	$0
Neighbors Bank vs E*TRADE from Morgan Stanley	3.75%	$0
Neighbors Bank vs Elevault	4.08%	$0
Neighbors Bank vs EverBank	4.05%	$0
Neighbors Bank vs Fitness Bank	4.75%	$100
Neighbors Bank vs FNBO Direct	3.00%	$1
Neighbors Bank vs Forbright Bank	4.00%	$0
Neighbors Bank vs FVCbank	3.85%	$500
Neighbors Bank vs GO2bank	4.50%	$0
Neighbors Bank vs Ivy Bank	4.25%	$2,500
Neighbors Bank vs LendingClub	4.20%	$0
Neighbors Bank vs Marcus by Goldman Sachs	3.65%	$0
Neighbors Bank vs Newtek Bank	4.35%	$0.01
Neighbors Bank vs Openbank	4.20%	$500
Neighbors Bank vs Peak Bank	4.20%	$100
Neighbors Bank vs Pibank	4.60%	$0
Neighbors Bank vs PNC	3.53%	$0
Neighbors Bank vs Presidential Bank	4.00%	$5,000
Neighbors Bank vs Quontic Bank	3.75%	$100
Neighbors Bank vs Salem Five Direct	3.71%	$10
Neighbors Bank vs Santander Bank	0.01%	$25
Neighbors Bank vs SoFi Bank	4.30%	$0
Neighbors Bank vs Synchrony Bank	3.65%	$0
Neighbors Bank vs TD Bank	2.75%	$0
Neighbors Bank vs TIMBR	4.40%	$1,000
Neighbors Bank vs UFB Direct	3.71%	$5000
Neighbors Bank vs Upgrade	3.05%	$0
Neighbors Bank vs Valley Direct	4.10%	$1,000
Neighbors Bank vs Varo Bank	5.00%	$0
Neighbors Bank vs Vio Bank	4.16%	$100
Neighbors Bank vs Wealthfront	4.15%	$0
Neighbors Bank vs Wells Fargo	0.05%	$25
Neighbors Bank vs Zynlo Bank	4.05%	$10

Compare Sallie Mae Bank's APY of 3.90% with other banks

Bank Pair	Competitor APY	Min Deposit
Sallie Mae Bank vs Affirm	3.60%	$0
Sallie Mae Bank vs Ally Bank	3.30%	$0
Sallie Mae Bank vs American Express	3.40%	$0
Sallie Mae Bank vs Axos Bank	4.31%	$0
Sallie Mae Bank vs Bank of America	0.01%	$100
Sallie Mae Bank vs Barclays	4.00%	$0
Sallie Mae Bank vs Bask Bank	3.90%	$0
Sallie Mae Bank vs Betterment	3.50%	$10
Sallie Mae Bank vs BMO Alto	3.25%	$0
Sallie Mae Bank vs Bread Savings	4.10%	$100
Sallie Mae Bank vs BrioDirect	4.00%	$5,000
Sallie Mae Bank vs Capital One	3.40%	$0
Sallie Mae Bank vs Charles Schwab Bank	0.15%	$0
Sallie Mae Bank vs Chase Bank	0.01%	$0
Sallie Mae Bank vs Chime	3.50%	$0
Sallie Mae Bank vs CIT Bank	3.75%	$100
Sallie Mae Bank vs Citibank	3.30%	$0
Sallie Mae Bank vs Citizens Access™	3.15%	$0.01
Sallie Mae Bank vs Climate First Bank	4.21%	$50
Sallie Mae Bank vs Discover Bank	3.40%	$0
Sallie Mae Bank vs E*TRADE from Morgan Stanley	3.75%	$0
Sallie Mae Bank vs Elevault	4.08%	$0
Sallie Mae Bank vs EverBank	4.05%	$0
Sallie Mae Bank vs Fitness Bank	4.75%	$100
Sallie Mae Bank vs FNBO Direct	3.00%	$1
Sallie Mae Bank vs Forbright Bank	4.00%	$0
Sallie Mae Bank vs FVCbank	3.85%	$500
Sallie Mae Bank vs GO2bank	4.50%	$0
Sallie Mae Bank vs Ivy Bank	4.25%	$2,500
Sallie Mae Bank vs LendingClub	4.20%	$0
Sallie Mae Bank vs Marcus by Goldman Sachs	3.65%	$0
Sallie Mae Bank vs Newtek Bank	4.35%	$0.01
Sallie Mae Bank vs Openbank	4.20%	$500
Sallie Mae Bank vs Peak Bank	4.20%	$100
Sallie Mae Bank vs Pibank	4.60%	$0
Sallie Mae Bank vs PNC	3.53%	$0
Sallie Mae Bank vs Presidential Bank	4.00%	$5,000
Sallie Mae Bank vs Quontic Bank	3.75%	$100
Sallie Mae Bank vs Salem Five Direct	3.71%	$10
Sallie Mae Bank vs Santander Bank	0.01%	$25
Sallie Mae Bank vs SoFi Bank	4.30%	$0
Sallie Mae Bank vs Synchrony Bank	3.65%	$0
Sallie Mae Bank vs TD Bank	2.75%	$0
Sallie Mae Bank vs TIMBR	4.40%	$1,000
Sallie Mae Bank vs UFB Direct	3.71%	$5000
Sallie Mae Bank vs Upgrade	3.05%	$0
Sallie Mae Bank vs Valley Direct	4.10%	$1,000
Sallie Mae Bank vs Varo Bank	5.00%	$0
Sallie Mae Bank vs Vio Bank	4.16%	$100
Sallie Mae Bank vs Wealthfront	4.15%	$0
Sallie Mae Bank vs Wells Fargo	0.05%	$25
Sallie Mae Bank vs Zynlo Bank	4.05%	$10