Pibank: Savings Account & Rates
Mission: Banksparency aims to make Pibank's savings account transparent and comparable to the market.
Savings Overview
Pibank Savings
| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
Prefer In-Person Banking?
This bank is online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Bank Overview
- HQ LocationMiami, Florida
- Founded2024
- AffiliationPibank is a brand of Intercredit Bank, N.A.
- Ratings & Trust
- Zelle® SupportNo SupportStandard ACH or Wire transfers only.
- Deposit InsuranceFDIC Insured(Cert: 25258)
Our Take on Pibank
The Good
- Competitive 4.60% APY
- No minimum deposit or balance requirements
- No monthly maintenance fees
Considerations
- No physical branch access (online only)
- Poorly rated mobile apps on both platforms (iOS: 2.4, Android: 1.7)
Pibank offers a competitive 4.60% APY on its savings account, with no minimum deposit or balance requirements and no monthly maintenance fees. This account does not have any promotional rates, tiered interest, or checking account requirements. However, it is important to note that Pibank operates online only, lacking physical branch access, and its mobile apps have received poor ratings (iOS: 2.4, Android: 1.7).
Top Market Contenders
Savings Account: In-Depth View
Savings Account Offered by Pibank
| Feature | Pibank Savings |
|---|---|
APY | 4.60%Verified: 1/7/2026 |
APY Trend | Very StableNo rate changes in last 90 days |
Min. Deposit | $0 |
Min. Balance | $0.01 |
Monthly Fee | $0 |
Direct Deposit | None |
Checking Bundle | No |
Branch Access | None |
Compounding | Daily |
FDIC Insured | Yes |
Eligibility | United States |
| Next Steps | - |
Calculate Savings for Pibank
Savings Breakdown
- Interest Earned+$1,817.20(11.5%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,817.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Pibank Savings Rates Over Time
Historical APY Insights
Last 11 Months| Metric | Pibank Savings |
|---|---|
Latest APY | 4.60% |
Trend | Sideways |
Slope (bps/mo) | -0.0 |
Rate Changes / Mo | 0.00 |
Days Since Last Change | 327 |
High (-11m) | 4.60% |
Low (-11m) | 4.60% |
Draw-down | 0.0% |
Volatility (CV) | 0.000 |
How to read these metrics▼
Trends & Velocity
- Trend
- The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
- Slope (bps/mo)
- Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
- Rate Changes / Mo
- "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.
Risk & Range
- High/Low
- The absolute ceiling and floor of the rate during the 327-day window.
- Volatility Score
- Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
- Days Since Change
- If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.
Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.
Compare with Pibank
| Feature | Current View Pibank | Empty Slot |
|---|---|---|
| Product | Pibank Savings | - |
APY | 4.60%Verified: 1/7/2026 | - |
APY Trend | Very StableNo rate changes in last 90 days | - |
| Min. Deposit | $0 | - |
| Monthly Fee | $0 | - |
Direct Deposit | No | - |
Checking Bundle | No | - |
| Branch Access | None | - |
| Eligibility | United States | - |
Compounding | Daily | - |
FDIC Insured | Yes | - |
| Next Steps | - | - |
Bank-to-Bank Comparisons
Compare Pibank's APY of 4.60% with other banks
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