Neighbors Bank vs. Timbr
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Neighbors Bank vs. TIMBR
Key Metrics at a Glance
| Feature | Neighbors Bank | TIMBR |
|---|---|---|
| Top Savings APY | 4.50% Neighbors Savings Account | 4.40% Premium Savings Account |
| Minimum to Open | $0 | $1,000 |
| Minimum Balance for Top APY | $0 | $0 |
| Note | Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY. |
Neighbors Bank
Strengths
- Neighbors Bank offers a higher APY of 4.50% compared to TIMBR's 4.40%.
- No minimum deposit required for opening a Neighbors Savings Account.
- Neighbors Bank has a Google Play rating of 4.3.
Potential Drawbacks
- Neighbors Bank's APY decreased from 4.60% over the past 30 days.
- Only one branch located in Columbia, Missouri.
TIMBR
Strengths
- TIMBR's Premium Savings Account has no maintenance fees.
- Online-only banking allows for easy account management.
Potential Drawbacks
- Requires a minimum deposit of $1,000 to open a Premium Savings Account.
- No physical branches available for in-person services.
Summary: Neighbors Bank provides a slightly higher APY of 4.50% compared to TIMBR's 4.40%, with no minimum deposit required. However, Neighbors Bank has a branch location, while TIMBR operates online-only. Both banks have an A+ BBB rating but are not accredited. Neighbors Bank's APY has decreased recently, while TIMBR's remains stable. Users should consider their preference for branch access versus online convenience when choosing between the two.
→ As of October 21, 2025 Neighbors Bank offers an APY of 4.50% for its Neighbors Savings Account, with a minimum balance of $0, compared to TIMBR's 4.40% APY for its Premium Savings Account, with a minimum balance of $0.
→ Neighbors Bank yields $10 more than TIMBR on a $10,000 balance after one year. Neighbors Bank pays $450, while TIMBR pays $440 - an APY advantage for Neighbors Bank.
Calculate Savings Growth for Neighbors Bank vs TIMBR
All calculations are based on APY.
Neighbors Bank - Neighbors Savings Account
Top APY: 4.50%
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
Effective APY: 4.50% (based on your deposit and contributions)
Total balance: $20,760.1
Earnings: $2,760.1
Bank OverviewTIMBR - Premium Savings Account
Top APY: 4.40%
Total savings breakdown:
- Interest earned: $2,694.7 (13.02%)
- Total contributions: $13,000 (62.82%)
- Initial deposit: $5,000 (24.16%)
Your total balance
$20,694.70
Effective APY: 4.40% (based on your deposit and contributions)
Total balance: $20,694.7
Earnings: $2,694.7
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Neighbors Bank's total earnings would be $65.4 higher than TIMBR's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Neighbors Bank's vs TIMBR's Savings Accounts
| Neighbors Bank | TIMBR | ||
|---|---|---|---|
| Product | Neighbors Savings Account | vs | Premium Savings Account |
| APY | 4.50% (as of 10/21/2025) | 4.40% (as of 10/21/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | N/A | Daily | |
| Minimum Deposit | $0 | $1,000 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Eligibility | Not available in Delaware. | United States | |
| Note | Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY. | ||
| App Store Rating | 3.3/5 | No | |
| Google Play Rating | 4.3/5 | No | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 8 Months)
| Neighbors Bank | TIMBR | ||
|---|---|---|---|
| Product | Neighbors Savings Account | vs | Premium Savings Account |
| Latest APY | 4.50 % | 4.40 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -0.9 | -1.8 | |
| Rate Changes / Mo | 0.25 | 0.13 | |
| Days Since Last Change | 7 | 190 | |
| High (-8 m) | 4.75 % | 4.55 % | |
| Low (-8 m) | 4.50 % | 4.40 % | |
| Draw-down from High | -5.3 % | -3.3 % | |
| Volatility (CV) | 0.009 | 0.014 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-8 m)
- Highest APY in the last 238 days.
- Low (-8 m)
- Lowest APY in the last 238 days.
- Draw-down from High
- How far today sits below the 8-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
More Comparisons
Compare Neighbors Bank's APY of 4.50% with other banks
Compare TIMBR's APY of 4.40% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| TIMBR vs Ally Bank | 3.40% | $0 |
| TIMBR vs American Express | 3.50% | $0 |
| TIMBR vs Axos Bank | 4.51% | $0 |
| TIMBR vs Bank of America | 0.01% | $100 |
| TIMBR vs Barclays | 4.10% | $0 |
| TIMBR vs Bask Bank | 4.05% | $0 |
| TIMBR vs BrioDirect | 4.20% | $5,000 |
| TIMBR vs Capital One | 3.40% | $0 |
| TIMBR vs Chase Bank | 0.01% | $0 |
| TIMBR vs Chime | 3.50% | $0 |
| TIMBR vs CIT Bank | 3.85% | $100 |
| TIMBR vs Citizens Access™ | 3.50% | $0.01 |
| TIMBR vs Discover Bank | 3.40% | $0 |
| TIMBR vs Elevault | 4.34% | $0 |
| TIMBR vs EverBank | 4.05% | $0 |
| TIMBR vs Fitness Bank | 4.75% | $100 |
| TIMBR vs FNBO Direct | 3.00% | $1 |
| TIMBR vs FVCbank | 4.10% | $500 |
| TIMBR vs GO2bank | 4.50% | $0 |
| TIMBR vs LendingClub | 4.20% | $0 |
| TIMBR vs Marcus by Goldman Sachs | 3.65% | $0 |
| TIMBR vs Newtek Bank | 4.35% | $0 |
| TIMBR vs Peak Bank | 4.20% | $100 |
| TIMBR vs Pibank | 4.60% | $0 |
| TIMBR vs Presidential Bank | 4.50% | $5,000 |
| TIMBR vs Santander Bank | 0.01% | $25 |
| TIMBR vs SoFi Bank | 4.50% | $0 |
| TIMBR vs Synchrony Bank | 3.80% | $0 |
| TIMBR vs UFB Direct | 3.96% | $5000 |
| TIMBR vs Valley Direct | 4.10% | $1,000 |
| TIMBR vs Varo Bank | 5.00% | $0 |
| TIMBR vs Wells Fargo | 0.05% | $25 |
| TIMBR vs Zynlo Bank | 4.20% | $10 |