High-Yield Savings Account Comparison

Neighbors Bank vs. TD 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

TD Bank

TD Signature Savings

Up to

2.75%

APY

Dec 10, 2025

FDIC InsuredHigh MinimumChecking BundleGreat iOS AppGreat Android AppIn-Person Access

Range: 0.05% – 2.75%

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$100,000
Maintenance Fee	$10. Waived under some circumstances.
Compound Freq	Monthly
Direct Deposit	Not required
Branch Access	Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC
Deposit Insurance	FDIC Insured(Cert: 33947)
Eligibility	United States
Mobile Ratings	iOS:4.8 Android:4.0
BBB Rating	Not Rated(Not BBB Accredited)

Important Note

This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY.

Rate Stability

Rate Adjusted

-0.25%

Since 90 days ago

Read Bank Overview

Neighbors Bank vs. TD Bank Savings Calculator

Calculations based on current APY for Neighbors Savings Account and TD Signature Savings

Initial Deposit

Recurring Deposit

Frequency

Duration

Neighbors Bank earns $2,600.8 more than TD 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

TD Bank

TD Signature Savings

2.75% APY

Higher APY requires $100,000

Savings Breakdown

Interest Earned
+$28.60(0.2%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$18,028.60

Effective APY

0.05%

View Details

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

Comparison Analysis

Comparing Neighbors Bank vs. TD Bank

Updated: Dec 10, 2025

Why Neighbors Bank?

✓Higher potential APY (4.30% vs 2.75%) on all balances
✓No checking account or direct deposit required
✓Higher rated Android app (4.4 vs 4.0)

Why TD Bank?

✓Higher rated iOS app (4.8 vs 3.3)
✓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 $0/yr).

Better Returns at $25,000

Neighbors Bank

Neighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1075 vs $0/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 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 $425 more interest on a $10,000 balance than TD Bank's TD Signature Savings.

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

TD BankNeighbors Bank

Automated Data Audit

Executive Summary

Neighbors Bank offers a competitive Neighbors Savings Account with an APY of 4.30%, making it the clear winner compared to TD Bank's TD Signature Savings, which has a maximum APY of 2.75%. Neighbors Bank's account has no minimum deposit or maintenance fees, and it does not require direct deposit, although it is not available in Delaware. In contrast, TD Bank's account requires a minimum balance of $100,000 to earn the higher APY and has a maintenance fee, although it can be waived under certain conditions. For those seeking simplicity and better returns, Neighbors Bank stands out.

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 ExploreTD Bank

Top Market Contenders

See who beats both Neighbors Bank and TD 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 TD 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 TD Bank

TIMBR

Premium Savings Account

FDIC InsuredLow Minimums

4.40% APY

+0.10% vs Neighbors Bank

Better Rate

TIMBR vs Neighbors Bank TIMBR vs TD Bank

Feature	Neighbors Bank	TD Bank
APY	4.30% Verified: 12/10/2025 ↘︎ 0.30%90d Change	2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change
Product Name	Neighbors Savings Account	TD Signature Savings
Minimum Deposit	$0	$0
Min. Balance for APY	$0	$100,000
Monthly Fee	$0	$10. Waived under some circumstances.
Branch Access	Yes	Yes
Account Type	Online & Branches	Online & Branches
Direct Deposit Req.	None	None
Checking Bundle	No	Yes
Mobile Apps	iOS3.3 Android4.4	iOS4.8 Android4.0
BBB Rating	A+	Not Rated
Important Notes	Balances up to $250,000 earn 4.30% APY. Anything above will earn 0.05% APY.	This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY.
Next Steps	- View Details	- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 9 Months Analysis

Metric	Neighbors Bank	TD Bank
	Neighbors Savings Account	TD Signature Savings
Current APYMost recent advertised annual-percentage yield.	4.30%	2.75%
TrendDirection over the last 9 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	-1.6	-8.1
Days Since ChangeRecency of the latest APY adjustment.	0	68
9-Month HighHighest APY in the last 288 days.	4.75%	3.51%
9-Month LowLowest APY in the last 288 days.	4.30%	2.75%
Adjustments / MoTypical number of APY moves per month.	0.31	0.31
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.013	0.078

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.

Compare Similar Alternatives

Compare Neighbors Bank vs...

Comparing against Standard Savings

Newtek BankNo Bundle Req

4.35%

APY

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Comparing against other Bundled Accounts

vs TD Bank

Axos BankChecking Bundle

4.31%

APY

vs TD Bank

SoFi BankChecking Bundle

4.30%

APY

vs TD Bank

Presidential BankChecking Bundle

4.00%

APY

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 Sallie Mae Bank	3.90%	$0
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 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 TD Bank's APY of 2.75% with other banks

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