Neighbors Bank vs. Wealthfront
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Neighbors Bank vs. Wealthfront
Key Metrics at a Glance
| Feature | Neighbors Bank | Wealthfront |
|---|---|---|
| Top Savings APY | 4.50% Neighbors Savings Account | 4.15% Cash Account |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
| Note | Balances up to $250,000 earn 4.50% 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 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. |
Neighbors Bank
Strengths
- Neighbors Bank offers a higher APY of 4.50% compared to Wealthfront's 4.15%.
- Neighbors Bank has an A+ BBB rating, indicating better trustworthiness than Wealthfront's F rating.
- Neighbors Bank has a physical branch location, providing in-person service.
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 Wealthfront's 4.8.
- Neighbors Bank is not BBB accredited.
Wealthfront
Strengths
- Wealthfront has an excellent App Store rating of 4.8 and a Google Play rating of 4.9.
- Wealthfront has no branch locations, which may appeal to those preferring online banking.
- Wealthfront offers a competitive introductory APY of 4.15% for new clients.
Potential Drawbacks
- Wealthfront's APY drops to 3.50% after the initial 3-month period.
- Wealthfront has an F BBB rating, indicating significant trust issues.
- Wealthfront is not a bank, which may concern some customers.
→ As of November 12, 2025 Neighbors Bank offers an APY of 4.50% for its Neighbors Savings Account, with a minimum balance of $0, compared to Wealthfront's 4.15% APY for its Cash Account, with a minimum balance of $0.
→ Neighbors Bank yields $35 more than Wealthfront on a $10,000 balance after one year. Neighbors Bank pays $450, while Wealthfront pays $415 - an APY advantage for Neighbors Bank.
Calculate Savings Growth for Neighbors Bank vs Wealthfront
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 OverviewWealthfront - Cash Account
Total savings breakdown:
- Interest earned: $2,531.8 (12.33%)
- Total contributions: $13,000 (63.32%)
- Initial deposit: $5,000 (24.35%)
Your total balance
$20,531.80
Total balance: $20,531.8
Earnings: $2,531.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Neighbors Bank's total earnings would be $228.3 higher than Wealthfront's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Neighbors Bank's vs Wealthfront's Savings Accounts
| Neighbors Bank | Wealthfront | ||
|---|---|---|---|
| Product | Neighbors Savings Account | vs | Cash Account |
| APY | 4.50% (as of 11/12/2025) | 3.50% - 4.15% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | N/A | Daily | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Eligibility | Not available in Delaware. | United States | |
| Note | Balances up to $250,000 earn 4.50% 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 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. | |
| App Store Rating | 3.3/5 | 4.8/5 | |
| Google Play Rating | 4.4/5 | 4.9/5 | |
| BBB Rating | A+ | F |
No historical data available.