Neighbors Bank vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Neighbors BankNeighbors Savings Account Jan 7, 2026 | WealthfrontCash Account Jan 7, 2026 |
|---|---|---|
| APY | 4.30% | 3.25% - 3.90% |
Est. Earnings | $5,000+$215 $10,000+$430 $25,000+$1,075 | $5,000+$171 $10,000+$341 $25,000+$853 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | Balances up to $250,000 earn 4.30% 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 clients get an APY of 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredNo MinimumsGreat Android AppIn-Person Access | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Comparison Analysis
Comparing Neighbors Bank vs. Wealthfront
As of Neighbors Bank offers an APY of 4.30% for its Neighbors Savings Account, with a minimum balance of $0, compared to Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
Neighbors Bank pays $89 more than Wealthfront on a $10,000 balance after one year. Neighbors Bank pays $430, while Wealthfront pays $341 (with an effective APY of 3.41%) - an APY advantage for Neighbors Bank.
Why Neighbors Bank?
- ✓Higher potential APY (4.30% vs 3.90%) on all balances
- ✓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. $430 vs $341/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1075 vs $853/yr).
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 3.90% 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 $89 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.
Executive Summary as of
Neighbors Bank offers a competitive Neighbors Savings Account with an APY of 4.30% on balances up to $250,000, making it the winner in this comparison. This account does not require a direct deposit and has no maintenance fees, providing a strong return, especially for larger deposits. In contrast, Wealthfront's Cash Account yields an APY of 3.90% for the first three months, dropping to 3.25% thereafter, and is an online-only product. While Wealthfront's account is noted for its simplicity and mobile app experience, Neighbors Bank's higher APY positions it as the better option for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Neighbors Bank vs. Wealthfront Savings Calculator
You earn $87.5 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
4.30% on first $250,000 and 0.05% thereafter.
Savings Breakdown
- Interest Earned+$430.00(4.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,430.00
Wealthfront
Cash Account
Promo Rate: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$342.50(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,342.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Neighbors Bank | Wealthfront |
|---|---|---|
| APY | 4.30% Verified: 1/7/2026 ↘︎ 0.30%90d Change | 3.90% Range: 3.25% - 3.90% Verified: 1/7/2026 - |
| Product Name | Neighbors Savings Account | Cash Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| 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 Android4.9 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | F |
| Important Notes | Balances up to $250,000 earn 4.30% 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 clients get an APY of 3.90% for 3 months, after which the 3.25% APY applies. 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 | 4.30% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -16.3 | -19.4 |
Days Since Change | 28 | 19 |
2-Month High | 4.50% | 4.15% |
2-Month Low | 4.30% | 3.90% |
Adjustments / Mo | 0.55 | 0.55 |
Volatility Score | 0.023 | 0.030 |
How to read these metrics(Click to expand)
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