Neighbors Bank vs Ufb Direct
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of Neighbors Bank vs. UFB Direct
As of September 5, 2025 Neighbors Bank offers an APY of 4.60% for its Neighbors Savings Account, with a minimum balance of $0, compared to UFB Direct's 4.21% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
Neighbors Bank yields $39 more than UFB Direct on a $10,000 balance after one year. Neighbors Bank pays $460, while UFB Direct pays $421 - an APY advantage for Neighbors Bank.
In addition, UFB Direct also offers 4.01% APY for the UFB Portfolio Savings account.
Neighbors Bank
Strengths
- Neighbors Bank offers a higher APY of 4.60% on its savings account.
- No minimum deposit is required to open the Neighbors Savings Account.
- No maintenance fees are charged on the Neighbors Savings Account.
Potential Drawbacks
- Neighbors Bank has only one branch location in Columbia, Missouri.
- The app ratings for Neighbors Bank are lower, with 3.3 on App Store.
- Not BBB Accredited, which may affect trust for some customers.
UFB Direct
Strengths
- UFB Direct has a higher App Store rating of 4.8 and Google Play rating of 4.7.
- UFB Direct is BBB Accredited, indicating higher trustworthiness.
- Offers multiple savings options, including a Portfolio Savings account with 4.01% APY.
Potential Drawbacks
- UFB Direct requires a minimum deposit of $5,000 for its Checking and Savings Bundle.
- A minimum balance of $10,000 is needed to earn the highest APY on the bundle.
- Direct deposit is required to achieve the highest APY in the bundle.
Summary: Neighbors Bank provides a higher APY of 4.60% without direct deposit requirements, while UFB Direct offers a bundle with a lower APY of 4.21% but requires a minimum deposit and balance. UFB Direct has better app ratings and is BBB Accredited, which may enhance customer trust. Neighbors Bank's single branch location may limit accessibility compared to UFB Direct's online-only model.
Compare Neighbors Bank's vs UFB Direct's Savings Accounts
| Neighbors Bank | UFB Direct | |||
|---|---|---|---|---|
| Product | Neighbors Savings Account | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| APY | 4.60% (as of 9/5/2025) | 4.01% - 4.21% (as of 9/5/2025) | 4.01% (as of 9/5/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | No | Yes | Yes | |
| Compound Frequency | N/A | Daily | Daily | |
| Minimum Deposit | $0 | $5000 | $0 | |
| Minimum Balance for APY | $0 | $10,000 | $0 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | Yes | No | |
| Eligibility | Not available in Delaware. | United States | United States | |
| Note | Balances up to $250,000 earn 4.60% APY. Anything above will earn 0.05% APY. | The regular savings or money market APY may be boosted up to 4.21% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. See bank for full details. | ||
| Sponsored Link | LEARN MORE at UFB Direct, Member FDIC | LEARN MORE at UFB Direct, Member FDIC | ||
| App Store Rating | 3.3/5 | 4.8/5 | ||
| Google Play Rating | 4.3/5 | 4.7/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 6 Months)
| Neighbors Bank | UFB Direct | |||
|---|---|---|---|---|
| Product | Neighbors Savings Account | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| Latest APY | 4.60 % | 4.21 % | 4.01 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -1.0 | -0.0 | -0.0 | |
| Rate Changes / Mo | 0.16 | 0.00 | 0.00 | |
| Days Since Last Change | 177 | 191 | 191 | |
| High (-6 m) | 4.75 % | 4.21 % | 4.01 % | |
| Low (-6 m) | 4.60 % | 4.21 % | 4.01 % | |
| Draw-down from High | -3.2 % | 0.0 % | 0.0 % | |
| Volatility (CV) | 0.009 | 0.000 | 0.000 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 6 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 (-6 m)
- Highest APY in the last 191 days.
- Low (-6 m)
- Lowest APY in the last 191 days.
- Draw-down from High
- How far today sits below the 6-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.
Calculate Savings Growth for Neighbors Bank vs UFB Direct
All calculations are based on APY.
Neighbors Bank
APY: 4.60%
Total savings breakdown:
- Interest earned: $2,825.8 (13.57%)
- Total contributions: $13,000 (62.42%)
- Initial deposit: $5,000 (24.01%)
Your total balance
$20,825.80
Effective APY: 4.60% (based on your deposit and contributions)
Total balance: $20,825.8
Earnings: $2,825.8
Bank OverviewUFB Direct
APY: 4.21%
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,541.6 (12.37%)
- Total contributions: $13,000 (63.29%)
- Initial deposit: $5,000 (24.34%)
Your total balance
$20,541.60
Effective APY: 4.17% (based on your deposit and contributions)
Total balance: $20,541.6
Earnings: $2,541.6
With a $5,000 initial deposit and $13,000 in total contributions over 5 years, Neighbors Bank's total earnings would be $284.2 higher than UFB Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare Neighbors Bank's APY of 4.60% with other banks
Compare UFB Direct's APY of 4.21% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| UFB Direct vs Ally Bank | 3.50% | $0 |
| UFB Direct vs American Express | 3.50% | $0 |
| UFB Direct vs Bank of America | 0.01% | $100 |
| UFB Direct vs Barclays | 4.10% | $0 |
| UFB Direct vs BrioDirect | 4.30% | $5,000 |
| UFB Direct vs Capital One | 3.50% | $0 |
| UFB Direct vs Chase Bank | 0.01% | $0 |
| UFB Direct vs Chime | 3.75% | $0 |
| UFB Direct vs CIT Bank | 4.00% | $100 |
| UFB Direct vs Discover Bank | 3.50% | $0 |
| UFB Direct vs Elevault | 4.60% | $0 |
| UFB Direct vs EverBank | 4.30% | $0 |
| UFB Direct vs Fitness Bank | 4.75% | $100 |
| UFB Direct vs FVCbank | 4.35% | $500 |
| UFB Direct vs GO2bank | 4.50% | $0 |
| UFB Direct vs Marcus by Goldman Sachs | 3.65% | $0 |
| UFB Direct vs Newtek Bank | 4.35% | $0 |
| UFB Direct vs Peak Bank | 4.35% | $100 |
| UFB Direct vs Pibank | 4.60% | $0 |
| UFB Direct vs Presidential Bank | 4.50% | $5,000 |
| UFB Direct vs Santander Bank | 0.03% | $25 |
| UFB Direct vs SoFi Bank | 3.80% | $0 |
| UFB Direct vs Synchrony Bank | 3.80% | $0 |
| UFB Direct vs TIMBR | 4.40% | $1,000 |
| UFB Direct vs Varo Bank | 5.00% | $0 |
| UFB Direct vs Wells Fargo | 2.51% | $25 |
| UFB Direct vs Zynlo Bank | 4.35% | $10 |