Capital One vs. Neighbors Bank
Capital One's 360 Performance Savings pays 3.00% 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 $110 more than Capital One annually ($410 vs $300).
Choose Capital One if you value in-person banking, you're an iPhone user, or you want Zelle for quick transfers. Choose Neighbors Bank if getting the best rate matters most.
| Metric | Capital OneBusiness Savings Account Sep 3, 2026 | Neighbors BankNeighbors Savings Account Sep 3, 2026 |
|---|---|---|
| APY | 3.50% | 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 | - | Balances up to $250,000 earn the stated APY. Anything above will earn less. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat Android AppRate Changes Often |
Comparison Analysis
Comparing Capital One vs. Neighbors Bank
Executive Summary
Neighbors Bank offers a competitive Neighbors Savings Account with an APY of 4.10%, making it the standout option compared to Capital One's Business Savings Account, which has a lower APY of 3.50%. Neighbors Bank's account allows balances up to $250,000 to earn the stated APY, while Capital One's account has no balance caps. However, Neighbors Bank is online-only and not available in Delaware, whereas Capital One is nationally available. Both accounts have no maintenance fees and do not require direct deposit, providing flexibility 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.
Why Capital One?
- No checking account or direct deposit required
- Higher rated iOS app (4.8 vs 3.3)
- Offers 3 different high-yield savings options
- Fast transfers via Zelle® (up to $2,500 a day)
- Available Nationwide
Why Neighbors Bank?
- Higher potential APY (4.10% vs 2.50%-3.50%) on all balances
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
Capital OneCapital One's Business Savings Account offers 3.50% 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 Capital One's Business Savings Account.
*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
Capital One vs. Neighbors Bank Savings Calculator
You earn $60 more with Neighbors Bank than Capital One 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.
Capital One
Business Savings Account
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 Capital One and Neighbors Bank advertise far more than that typical branch-bank rate.
| Feature | Capital One | Neighbors Bank |
|---|---|---|
| APY | 3.50% Observed: 9/3/2026 Stable over 90 days | 4.10% Observed: 9/3/2026 0.10%90-day change |
| Product Name | Business Savings Account | Neighbors Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | N/A | $0 |
| Compound Frequency | Monthly | N/A |
| In-Branch Access | Yes | No |
| Account Type | Online & Branches | Online Only |
| Physical Branches | 252 (CT, DC, DE, LA, MD, NJ, NY, TX (+1 more)) | 1 (MO) |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | - | Balances up to $250,000 earn the stated APY. Anything above will earn less. |
| Next Steps | Visit SiteVerify at Capital One 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 | Capital One | Neighbors Bank | |
|---|---|---|---|
| 360 Performance Savings | Business Savings Account | Neighbors Savings Account | |
Current APY | 3.00% | 3.50% | 4.10% |
Trend | Stable | Stable | Stable |
Speed of change | -0.03 | 0.00 | -0.02 |
Days Since Change | 93 | 163 | 120 |
7-Month High | 3.20% | 3.50% | 4.20% |
7-Month Low | 3.00% | 3.50% | 4.10% |
Changes per month | 0.28 | 0.00 | 0.14 |
Steadiness | 0.026 | 0.000 | 0.012 |
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 215-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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More Comparisons
Compare Capital One's APY of 3.50% with other banks
Compare Neighbors Bank's APY of 4.10% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| 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 Barclays | 3.65% | $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 | 3.80% | $0 |
| Neighbors Bank vs Synchrony Bank | 3.30% | $0 |
| Neighbors Bank vs Varo Bank | 3.75% | $0 |
| Neighbors Bank vs Wealthfront | 3.95% | $0 |