Neighbors Bank vs. Wealthfront
Neighbors Bank and Wealthfront both offer 4.20% APY on their high-yield savings accounts. With identical rates, your choice comes down to other factors like mobile app quality, branch access, or customer service reputation.
The Bottom Line
Who pays more interest on $10,000? Neighbors Bank pays $68 more than Wealthfront annually ($420 vs $353).
The Neighbors Bank and Wealthfront savings accounts are very similar. Choose Neighbors Bank if getting the best rate matters most, you want to avoid a promo rate with a scheduled drop, BBB rating matters to you, or you value in-person banking. Choose Wealthfront if you're an iPhone user.
Important Considerations
The key difference? Wealthfront's 4.20% rate includes a promotional bonus for the first 3 months, after which it reverts to the standard rate (currently 3.30%). Neighbors Bank's 4.20% rate has no scheduled drop, though all rates are subject to change.
| Metric | Neighbors BankNeighbors Savings Account Apr 7, 2026 | WealthfrontCash Account Apr 7, 2026 |
|---|---|---|
| APY | 4.20% | 3.30% - 4.20% |
Est. Earnings | $5,000+$210 $10,000+$420 $25,000+$1,050 | $5,000+$176 $10,000+$353 $25,000+$881 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | Balances up to $250,000 earn 4.20% APY. Anything above will earn 0.05% APY. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New customers may earn the top rate of 4.20% for 3 months with direct deposit. See terms at Wealthfront. |
| Features | FDIC InsuredNo MinimumsGreat Android AppIn-Person AccessRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Comparison Analysis
Comparing Neighbors Bank vs. Wealthfront
Executive Summary
Both Neighbors Bank and Wealthfront offer competitive savings products with an APY of 4.20%. Neighbors Bank's Neighbors Savings Account allows balances up to $250,000 to earn this rate, while amounts exceeding that earn 0.05%. Wealthfront's Cash Account is an online-only product that provides the same APY, with new customers potentially earning it for three months when setting up direct deposit. Both accounts have no minimum deposit, maintenance fees, or direct deposit requirements, making them accessible options. However, Neighbors Bank is not available in Delaware.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Neighbors Bank?
- ✓Physical branch access (One location in Columbia, Missouri)
Why Wealthfront?
- ✓No checking account or direct deposit required
- ✓Higher rated iOS app (4.8 vs 3.3)
- ✓Higher rated Android app (4.9 vs 4.4)
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
Neighbors BankNeighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $420 vs $353/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1050 vs $881/yr).
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 4.20% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
WealthfrontWealthfront offers an iOS app rated 4.8 (vs. 3.3) and Android app rated 4.9 (vs. 4.4)
Shared Benefits
Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $68 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet Neighbors Bank's standard rate still yields a higher 1-year return.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Neighbors Bank vs. Wealthfront Savings Calculator
You earn $65.8 more with Neighbors Bank than Wealthfront on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Neighbors Bank
Neighbors Savings Account
4.20% on first $250,000 and 0.05% thereafter.
Savings Breakdown
- Interest Earned+$420.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,420.00
Wealthfront
Cash Account
Promo Rate: 4.20% for 3 months, then 3.30%.
Savings Breakdown
- Interest Earned+$354.20(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,354.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $352 per year in interest.
Both Neighbors Bank and Wealthfront dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Neighbors Bank | Wealthfront |
|---|---|---|
| APY | 4.20% Verified: 4/7/2026 ↘︎ 0.10%90d Change | 4.20% Range: 3.30% - 4.20% Verified: 4/7/2026 ↗︎ 0.30%90d Change |
| Product Name | Neighbors Savings Account | Cash Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | N/A | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | One location in Columbia, Missouri | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | Yes |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | F |
| Important Notes | Balances up to $250,000 earn 4.20% APY. Anything above will earn 0.05% APY. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New customers may earn the top rate of 4.20% for 3 months with direct deposit. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at Neighbors Bank Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Neighbors Bank | Wealthfront |
|---|---|---|
| Neighbors Savings Account | Cash Account | |
Current APY | 4.20% | 4.20% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.0 | 1.5 |
Days Since Change | 82 | 33 |
5-Month High | 4.50% | 4.20% |
5-Month Low | 4.20% | 3.90% |
Adjustments / Mo | 0.41 | 0.62 |
Volatility Score | 0.027 | 0.032 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Neighbors Bank's APY of 4.20% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Neighbors Bank vs Ally Bank | 3.20% | $0 |
| Neighbors Bank vs American Express | 3.20% | $0 |
| Neighbors Bank vs Axos Bank | 4.21% | $0 |
| Neighbors Bank vs Barclays | 3.85% | $0 |
| Neighbors Bank vs Capital One | 3.20% | $0 |
| Neighbors Bank vs Chime | 3.00% | $0 |
| Neighbors Bank vs CIT Bank | 3.75% | $100 |
| Neighbors Bank vs Discover Bank | 3.30% | $0 |
| Neighbors Bank vs EverBank | 3.90% | $0 |
| Neighbors Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Neighbors Bank vs Newtek Bank | 4.20% | $0.01 |
| Neighbors Bank vs Openbank | 4.00% | $500 |
| Neighbors Bank vs Pibank | 4.60% | $0 |
| Neighbors Bank vs SoFi Bank | 4.00% | $0 |
| Neighbors Bank vs Synchrony Bank | 3.50% | $0 |
| Neighbors Bank vs Varo Bank | 5.00% | $0 |