Chime vs. Neighbors Bank
Chime's Chime High-Yield Savings Account pays 3.75% APY while Neighbors Bank's Neighbors Savings Account pays 4.10% APY.
Note: Chime's Chime High-Yield Savings Account also needs a checking account.
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 $35 more than Chime annually ($410 vs $375).
Choose Chime if you're an iPhone user. Choose Neighbors Bank if getting the best rate matters most, or you want a no-strings-attached account.
Important Considerations
Chime's Chime High-Yield Savings Account pays its top rate only if you also open a checking account with Chime, while Neighbors Bank's Neighbors Savings Account stands alone.
| Metric | ChimeChime High-Yield Savings Account Sep 4, 2026 | Neighbors BankNeighbors Savings Account Sep 4, 2026 |
|---|---|---|
| APY | 3.75% | 4.10% |
Earns in a year | $5,000+$188 $10,000+$375 $25,000+$938 | $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 AppDirect Deposit ReqChecking BundleDaily Compounding | 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 Chime vs. Neighbors Bank
Executive Summary
Neighbors Bank offers a higher APY of 4.10% on its Neighbors Savings Account, making it the winner in this comparison. This account allows for balances up to $250,000 to earn the stated APY, and it does not require direct deposit. In contrast, Chime's High-Yield Savings Account provides an APY of 3.75% but requires direct deposit and is only available online. Both accounts have no maintenance fees and a minimum deposit of $0. However, Neighbors Bank's account is not available in Delaware, while Chime is 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 Chime?
- Higher rated iOS app (4.8 vs 3.3)
- Available Nationwide
Why Neighbors Bank?
- Higher potential APY (4.10% vs 3.75%) on all balances
- No checking account or direct deposit required
- 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 $375/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1025 vs $938/yr).
Better Mobile App Experience
ChimeChime offers an iOS app rated 4.8 (vs. 3.3) and Android app rated 4.7 (vs. 4.6)
Shared Benefits
Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $35 more interest on a $10,000 balance than Chime's Chime High-Yield 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
Chime vs. Neighbors Bank Savings Calculator
You earn $35 more with Neighbors Bank than Chime 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.
Chime
Chime High-Yield Savings Account
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
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 $370 a year in interest.
Both Chime and Neighbors Bank advertise far more than that typical branch-bank rate.
| Feature | Chime | Neighbors Bank |
|---|---|---|
| APY | 3.75% Observed: 9/4/2026 Stable over 90 days | 4.10% Observed: 9/4/2026 0.10%90-day change |
| Product Name | Chime High-Yield Savings Account | 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 | Not reported | 1 (MO) |
| Direct Deposit Req. | Required | None |
| Checking Bundle | Yes | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | Yes | YesVerify FDIC |
| Zelle® Support | Not Supported | 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 Chime 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 | Neighbors Bank |
|---|---|
| Neighbors Savings Account | |
Current APY | 4.10% |
Trend | Stable |
Speed of change | -0.02 |
Days Since Change | 121 |
7-Month High | 4.20% |
7-Month Low | 4.10% |
Changes per month | 0.15 |
Steadiness | 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 199-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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Compare Chime's APY of 3.75% 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 Capital One | 3.50% | $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 |