Barclays vs. Neighbors Bank
Barclays's Tiered Savings pays 3.65% APY while Neighbors Bank's Neighbors Savings Account pays 4.10% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Neighbors Bank pays $60 more than Barclays annually ($410 vs $350).
Choose Barclays if you're an iPhone user, or choose Neighbors Bank if getting the best rate matters most.
| Metric | BarclaysTiered Savings Sep 4, 2026 | Neighbors BankNeighbors Savings Account Sep 4, 2026 |
|---|---|---|
| APY | 3.50% - 3.65% | 4.10% |
Earns in a year | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$205 $10,000+$410 $25,000+$1,025 |
Min. Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The top APY is only available for balances over $250,000. For lower balances, a lower APY applies. | Balances up to $250,000 earn the stated APY. Anything above will earn less. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat Android AppRate Changes Often |
Prefer In-Person Banking?
Both of these institutions are online-only. If you need in-branch access, check out our list of savings accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Barclays vs. Neighbors Bank
Executive Summary
Neighbors Bank offers a competitive Neighbors Savings Account with an APY of 4.10%, which is significantly higher than Barclays's Online Savings account at 3.20%. Neighbors Bank's account allows balances up to $250,000 to earn the stated APY, making it a better option for savers looking to maximize their returns. In contrast, Barclays provides a simpler savings option with no minimum balance or maintenance fees, but it yields lower returns. Both accounts are online-only, with no direct deposit requirements. However, Neighbors Bank is not available in Delaware, while Barclays's offerings are nationally available.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Barclays?
- No checking account or direct deposit required
- Higher rated iOS app (4.9 vs 3.3)
- Offers 2 different high-yield savings options
- Available Nationwide
Why Neighbors Bank?
- Higher potential APY (4.10% vs 3.20%-3.65%) on all balances
- Physical branch access (One location in Columbia, Missouri)
Key Feature Differences
Better Returns at $10,000
Neighbors BankNeighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $410 vs $350/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1025 vs $875/yr).
Better for Simplicity
BarclaysBarclays's Online Savings offers 3.20% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $60 more interest on a $10,000 balance than Barclays's Tiered Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Barclays vs. Neighbors Bank Savings Calculator
You earn $60 more with Neighbors Bank than Barclays 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.
Barclays
Tiered Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
Neighbors Bank
Neighbors Savings Account
Savings Breakdown
- Interest Earned+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still at a large branch bank?
A typical branch-bank savings rate is 0.05% APY. On a $10,000 balance, the gap to these two banks is at least $345 a year in interest.
Both Barclays and Neighbors Bank advertise far more than that typical branch-bank rate.
| Feature | Barclays | Neighbors Bank |
|---|---|---|
| APY | 3.65% Range: 3.50% - 3.65% Observed: 9/4/2026 0.35%90-day change | 4.10% Observed: 9/4/2026 0.10%90-day change |
| Product Name | Tiered Savings | Neighbors Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | N/A |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | 1 (DE) | 1 (MO) |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | The top APY is only available for balances over $250,000. For lower balances, a lower APY applies. | Balances up to $250,000 earn the stated APY. Anything above will earn less. |
| Next Steps | Visit SiteVerify at Barclays Non-sponsored link to official site | Visit SiteVerify at Neighbors Bank Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Neighbors Bank | |
|---|---|---|---|
| Tiered Savings | Online Savings | Neighbors Savings Account | |
Current APY | 3.65% | 3.20% | 4.10% |
Trend | Stable | Stable | Stable |
Speed of change | -0.04 | -0.04 | -0.07 |
Days Since Change | 72 | 1 | 121 |
12-Month High | 4.10% | 3.70% | 4.60% |
12-Month Low | 3.65% | 3.20% | 4.10% |
Changes per month | 0.33 | 0.41 | 0.33 |
Steadiness | 0.019 | 0.023 | 0.030 |
How to read these metrics(Click to expand)
Trends and speed
- Trend: The general direction of the rate over the analyzed period. Useful for seeing whether a bank is raising its rate or letting it slip.
- Speed of change: How fast the rate moves. A high positive number means they raise rates quickly. A reading of 0.10 is a tenth of a percentage point each month.
- Changes per month: How often the rate moves. A high number means it changes constantly; a low number means it holds.
Risk & Range
- High/Low: The absolute ceiling and floor of the rate during the 364-day window.
- Steadiness: How far the rate swings around its average. A lower score means a steadier, more predictable rate.
- Days Since Change: A high number, for example above 90, means the rate rarely moves. A low number means it changed recently.
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High Rates (With Checking Bundle)
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More Comparisons
Compare Barclays' APY of 3.65% with other banks
Compare Neighbors Bank's APY of 4.10% with other banks
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|---|---|---|
| Neighbors Bank vs Ally Bank | 3.00% | $0 |
| Neighbors Bank vs American Express | 3.00% | $0 |
| Neighbors Bank vs Axos Bank | 4.21% | $0 |
| Neighbors Bank vs Capital One | 3.50% | $0 |
| Neighbors Bank vs Chime | 3.75% | $0 |
| Neighbors Bank vs CIT Bank | 3.75% | $100 |
| Neighbors Bank vs EverBank | 3.90% | $0 |
| Neighbors Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Neighbors Bank vs Newtek Bank | 4.20% | $100 |
| Neighbors Bank vs Openbank | 3.80% | $500 |
| Neighbors Bank vs Pibank | 4.10% | $0 |
| Neighbors Bank vs SoFi Bank | 4.00% | $0 |
| Neighbors Bank vs Synchrony Bank | 3.30% | $0 |
| Neighbors Bank vs Varo Bank | 3.75% | $0 |
| Neighbors Bank vs Wealthfront | 3.95% | $0 |