Neighbors Bank vs. Wealthfront
Neighbors Bank's Neighbors Savings Account pays 4.10% APY while Wealthfront's Cash Account pays 3.95% 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 $64 more than Wealthfront annually ($410 vs $346).
Choose Neighbors Bank if getting the best rate matters most, or BBB rating matters to you. Choose Wealthfront if you're an iPhone user.
| Metric | Neighbors BankNeighbors Savings Account Sep 4, 2026 | WealthfrontCash Account Sep 4, 2026 |
|---|---|---|
| APY | 4.10% | 3.30% - 3.95% |
Earns in a year | $5,000+$205 $10,000+$410 $25,000+$1,025 | $5,000+$173 $10,000+$346 $25,000+$866 |
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. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get the stated APY for 3 months, after which a lower APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredNo MinimumsGreat Android AppRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily Compounding |
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. Wealthfront
Executive Summary
Neighbors Bank offers a Neighbors Savings Account with a competitive APY of 4.10%, which applies to balances up to $250,000. This account is available online only and does not require a minimum deposit or direct deposit. In contrast, Wealthfront's Cash Account provides a slightly lower APY of 3.95%, with a promotional boost for new clients for three months. Wealthfront is also online only and does not require a minimum deposit or direct deposit. Overall, Neighbors Bank's higher APY makes it the preferred choice 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 Neighbors Bank?
- Higher potential APY (4.10% vs 3.95%) on all balances
- Physical branch access (One location in Columbia, Missouri)
Why Wealthfront?
- No checking account or direct deposit required
- Higher rated iOS app (4.8 vs 3.3)
- Higher rated Android app (4.9 vs 4.6)
- Available Nationwide
Key Feature Differences
Better Returns at $10,000
Neighbors BankNeighbors Bank's Neighbors Savings Account earns more on smaller deposits (approx. $410 vs $346/yr).
Better Returns at $25,000
Neighbors BankNeighbors Bank's Neighbors Savings Account pulls ahead with larger amounts (approx. $1025 vs $866/yr).
Better for Simplicity
WealthfrontWealthfront's Cash Account offers 3.95% APY with no bundling, direct deposit requirement or caps.
Better Mobile App Experience
WealthfrontWealthfront offers an iOS app rated 4.8 (vs. 3.3) and Android app rated 4.9 (vs. 4.6)
Shared Benefits
Over a 1-year period, Neighbors Bank's Neighbors Savings Account pays $64 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet Neighbors Bank's standard rate still yields a higher 1-year return.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Neighbors Bank vs. Wealthfront Savings Calculator
You earn $62.5 more with Neighbors Bank than Wealthfront 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.
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
Wealthfront
Cash Account
Savings Breakdown
- Interest Earned+$347.50(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,347.50
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 $341 a year in interest.
Both Neighbors Bank and Wealthfront advertise far more than that typical branch-bank rate.
| Feature | Neighbors Bank | Wealthfront |
|---|---|---|
| APY | 4.10% Observed: 9/4/2026 0.10%90-day change | 3.95% Range: 3.30% - 3.95% Observed: 9/4/2026 0.05%90-day change |
| Product Name | Neighbors Savings Account | Cash Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| 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 | Yes |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | F |
| Important Notes | Balances up to $250,000 earn the stated APY. Anything above will earn less. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get the stated APY for 3 months, after which a lower APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at Neighbors Bank Non-sponsored link to official site | Visit SiteVerify at Wealthfront 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 | 0.13 |
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 223-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 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 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 |