Neighbors Bank vs. Pibank
Neighbors Bank and Pibank both offer 4.10% APY on their high-yield savings accounts. With identical rates, your choice comes down to other factors like mobile app quality, branch access, or customer service reputation.
The Bottom Line
The Neighbors Bank and Pibank savings accounts are very similar. Choose Neighbors Bank if mobile app quality matters.
| Metric | Neighbors BankNeighbors Savings Account Sep 4, 2026 | PibankPibank Savings Sep 4, 2026 |
|---|---|---|
| APY | 4.10% | 4.10% |
Earns in a year | $5,000+$205 $10,000+$410 $25,000+$1,025 | $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 Android AppRate Changes Often | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
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 Neighbors Bank vs. Pibank
Executive Summary
Neighbors Bank offers a Neighbors Savings Account with an APY of 4.10%, applicable to balances up to $250,000, and is available in many states except Delaware. However, Pibank also provides a Pibank Savings account with the same APY of 4.10%, but it is available nationally and has no minimum balance requirement. Both accounts are online-only and have no maintenance fees. Pibank’s product is noted for its simplicity, as it does not require bundling or direct deposit. Therefore, while both banks offer comparable rates, Pibank stands out for its broader availability and straightforward terms.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Neighbors Bank?
- Physical branch access (One location in Columbia, Missouri)
- Higher rated Android app (4.6 vs 1.8)
Why Pibank?
- No checking account or direct deposit required
- Available Nationwide
Key Feature Differences
Better for Simplicity
PibankPibank's Pibank Savings offers 4.10% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Neighbors Bank vs. Pibank Savings Calculator
Both accounts earn exactly the same amount.
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
Pibank
Pibank Savings
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 $405 a year in interest.
Both Neighbors Bank and Pibank advertise far more than that typical branch-bank rate.
| Feature | Neighbors Bank | Pibank |
|---|---|---|
| APY | 4.10% Observed: 9/4/2026 0.10%90-day change | 4.10% Observed: 9/4/2026 0.30%90-day change |
| Product Name | Neighbors Savings Account | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | N/A | Daily |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | 1 (MO) | Not reported |
| 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 | Balances up to $250,000 earn the stated APY. Anything above will earn less. | - |
| Next Steps | Visit SiteVerify at Neighbors Bank Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Neighbors Bank | Pibank |
|---|---|---|
| Neighbors Savings Account | Pibank Savings | |
Current APY | 4.10% | 4.10% |
Trend | Stable | Stable |
Speed of change | -0.07 | -0.03 |
Days Since Change | 121 | 63 |
12-Month High | 4.60% | 4.60% |
12-Month Low | 4.10% | 4.10% |
Changes per month | 0.33 | 0.16 |
Steadiness | 0.030 | 0.014 |
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 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 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 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 |