Neighbors Bank vs. Ufb Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
We earn a commission if you open an account through some links on this page.
Summary of Neighbors Bank vs. UFB Direct
Key Metrics at a Glance
| Feature | Neighbors Bank | UFB Direct |
|---|---|---|
| Top Savings APY | 4.50% Neighbors Savings Account | 3.96% UFB Checking and Savings Bundle |
| Minimum to Open | $0 | $5000 |
| Minimum Balance for Top APY | $0 | $10,000 |
| Note | Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY. | The regular savings or money market APY may be boosted up to 3.96% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. See bank for full details. |
Neighbors Bank
Strengths
- Neighbors Bank offers a higher APY of 4.50% for balances up to $250,000.
- No minimum deposit or balance requirements for the Neighbors Savings Account.
- Neighbors Bank has a physical branch in Columbia, Missouri.
Potential Drawbacks
- Neighbors Bank's APY decreased from 4.60% to 4.50% in the last 30 days.
- Neighbors Bank has a lower App Store rating of 3.3 compared to UFB Direct.
UFB Direct
Strengths
- UFB Direct's App Store rating is high at 4.8.
- UFB Direct is BBB Accredited, indicating a higher level of trust.
- The UFB Portfolio Savings account has a competitive APY of 3.76%.
Potential Drawbacks
- UFB Direct requires a minimum deposit of $5,000 for the Checking and Savings Bundle.
- UFB Direct has no physical branches, operating online only.
- UFB Direct's APY decreased from 4.10% to 3.96% recently.
→ 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 UFB Direct's 3.96% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
→ Neighbors Bank yields $54 more than UFB Direct on a $10,000 balance after one year. Neighbors Bank pays $450, while UFB Direct pays $396 - an APY advantage for Neighbors Bank.
→ In addition, UFB Direct also offers 3.76% APY for the UFB Portfolio Savings account.
Calculate Savings Growth for Neighbors Bank vs UFB Direct
Neighbors Bank - Neighbors Savings Account
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
Total balance: $20,760.1
Earnings: $2,760.1
Bank OverviewUFB Direct - UFB Checking and Savings Bundle
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,379.1 (11.67%)
- Total contributions: $13,000 (63.79%)
- Initial deposit: $5,000 (24.53%)
Your total balance
$20,379.10
Total balance: $20,379.1
Earnings: $2,379.1
With a $5,000 initial deposit and $13,000 in total contributions over 5 years, Neighbors Bank's total earnings would be $381 higher than UFB Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Neighbors Bank's vs UFB Direct's Savings Accounts
| Neighbors Bank | UFB Direct | |||
|---|---|---|---|---|
| Product | Neighbors Savings Account | vs | UFB Portfolio Savings | UFB Checking and Savings Bundle |
| APY | 4.50% (as of 10/21/2025) | 3.76% (as of 10/21/2025) | 3.76% - 3.96% (as of 10/21/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | No | Yes | Yes | |
| Compound Frequency | N/A | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $5000 | |
| Minimum Balance for APY | $0 | $0 | $10,000 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | Yes | |
| Eligibility | Not available in Delaware. | United States | United States | |
| Note | Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY. | The regular savings or money market APY may be boosted up to 3.96% 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 | 4.5/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 8 Months)
| Neighbors Bank | UFB Direct | |||
|---|---|---|---|---|
| Product | Neighbors Savings Account | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| Latest APY | 4.50 % | 3.96 % | 3.76 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -0.9 | -1.8 | -1.8 | |
| Rate Changes / Mo | 0.25 | 0.25 | 0.25 | |
| Days Since Last Change | 7 | 18 | 18 | |
| High (-8 m) | 4.75 % | 4.21 % | 4.01 % | |
| Low (-8 m) | 4.50 % | 3.96 % | 3.76 % | |
| Draw-down from High | -5.3 % | -5.9 % | -6.2 % | |
| Volatility (CV) | 0.009 | 0.017 | 0.018 | |
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 237 days.
- Low (-8 m)
- Lowest APY in the last 237 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.