Neighbors Bank vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
Neighbors Bank
Neighbors Savings Account
4.50%APYDec 6, 2025FDIC InsuredNo MinimumsGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Neighbors Bank
Neighbors Savings Account
UFB Direct
UFB Checking and Savings Bundle
Up to3.71%APYDec 6, 2025FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppRange: 3.51% – 3.71%Show Fine Print & Trends Hide Details
UFB Direct
UFB Checking and Savings Bundle
Comparison Analysis
Comparing Neighbors Bank vs. UFB Direct
Why Neighbors Bank?
- ✓Higher potential APY (4.50% vs 3.51%-3.71%) on all balances
- ✓Physical branch access (One location in Columbia, Missouri)
Why UFB Direct?
- ✓Offers 2.00% APY on Checking Account in addition to the savings APY
- ✓Access to over 90,000 fee-free ATMs
- ✓Higher rated iOS app (4.8 vs 3.3)
- ✓Offers 2 different high-yield savings options
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
Neighbors BankNeighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $450 vs $371/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1125 vs $928/yr).
Best for Simplicity
Neighbors BankNeighbors Bank's Neighbors Savings Account offers 4.50% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $79 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.
Executive Summary
Neighbors Bank offers a competitive Neighbors Savings Account with an APY of 4.50%, making it the winner in this comparison. This account allows balances up to $250,000 to earn the full rate, with no direct deposit requirement or maintenance fees, enhancing its appeal for simplicity. In contrast, UFB Direct's highest APY is 3.71% through its UFB Checking and Savings Bundle, which requires a checking account, a minimum balance of $10,000, and direct deposits to achieve this rate. UFB Direct's Portfolio Savings account offers a lower APY of 3.51% and is exclusively available online.
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.
Top Market Contenders
See who beats both Neighbors Bank and UFB Direct.
| Feature | Neighbors Bank | UFB Direct |
|---|---|---|
| APY | 4.50% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 3.71% Range: 3.51% - 3.71% Verified: 12/6/2025 ↘︎ 0.50%90d Change |
| Product Name | Neighbors Savings Account | UFB Checking and Savings Bundle |
| Minimum Deposit | $0 | $5000 |
| Min. Balance for APY | $0 | $10,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS3.3 Android4.4 | iOS4.8 Android4.3 |
| BBB Rating | A+ | A+ |
| Important Notes | 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 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details. |
| Next Steps | SponsoredOpen Account |
Savings Comparison
Neighbors Bank earns $541.4 more than UFB Direct.
Neighbors Bank
Neighbors Savings Account
Savings Breakdown
- Interest Earned+$2,760.10(13.3%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,760.10
UFB Direct
UFB Checking and Savings Bundle
Higher APY requires $10,000
Savings Breakdown
- Interest Earned+$2,218.70(11.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,218.70
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The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Neighbors Bank | UFB Direct | |
|---|---|---|---|
| Neighbors Savings Account | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 4.50% | 3.71% | 3.51% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -1.5 | -5.3 | -5.3 |
Days Since Change | 53 | 37 | 37 |
9-Month High | 4.75% | 4.21% | 4.01% |
9-Month Low | 4.50% | 3.71% | 3.51% |
Adjustments / Mo | 0.21 | 0.32 | 0.32 |
Volatility Score | 0.012 | 0.047 | 0.050 |
How to read these metrics(Click to expand)
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