Neighbors Bank vs. Valley 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
Valley Direct
High-Yield Savings Account
Up to4.10%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.10%Show Fine Print & Trends Hide Details
Valley Direct
High-Yield Savings Account
Comparison Analysis
Comparing Neighbors Bank vs. Valley Direct
Why Neighbors Bank?
- ✓Higher potential APY (4.50% vs 4.10%) on all balances
- ✓Physical branch access (One location in Columbia, Missouri)
- ✓Available to New & Existing Customers
Why Valley Direct?
- ✓Higher rated iOS app (4.8 vs 3.3)
- ✓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 $410/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1125 vs $1025/yr).
Best for Simplicity
Neighbors BankNeighbors Bank's Neighbors Savings Account offers 4.50% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Valley DirectValley Direct offers an iOS app rated 4.8 (vs. 3.3) and Android app rated 4.5 (vs. 4.4)
Shared Benefits
Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $40 more interest on a $10,000 balance than Valley Direct's High-Yield Savings Account.
Executive Summary
Neighbors Bank offers a competitive Neighbors Savings Account with an APY of 4.50% on balances up to $250,000, with no direct deposit requirement or maintenance fees, making it an excellent choice for simplicity. In contrast, Valley Direct's High-Yield Savings Account provides a lower APY of 4.10%, but is only available to new customers, as existing customers earn a lower rate of 3.50%. While Valley Direct excels in mobile app experience, the higher APY at Neighbors Bank positions it as the better option for savers.
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 Valley Direct.
| Feature | Neighbors Bank | Valley Direct |
|---|---|---|
| APY | 4.50% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.10% Range: 3.50% - 4.10% Verified: 12/6/2025 ↘︎ 0.20%90d Change |
| Product Name | Neighbors Savings Account | High-Yield Savings Account |
| Minimum Deposit | $0 | $1,000 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS3.3 Android4.4 | iOS4.8 Android4.5 |
| BBB Rating | A+ | A+ |
| Important Notes | Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY. | Promo rate for new customers. 3.50% APY applies to existing customers. |
| Next Steps |
Savings Comparison
Neighbors Bank earns $260.7 more than Valley 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
Valley Direct
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
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 | Valley Direct |
|---|---|---|
| Neighbors Savings Account | High-Yield Savings Account | |
Current APY | 4.50% | 4.10% |
Trend | Stable | Stable |
Velocity (bps/mo) | -1.5 | -1.9 |
Days Since Change | 53 | 71 |
9-Month High | 4.75% | 4.40% |
9-Month Low | 4.50% | 3.75% |
Adjustments / Mo | 0.21 | 0.74 |
Volatility Score | 0.012 | 0.029 |
How to read these metrics(Click to expand)
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