Capital One vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
Capital One
360 Performance Savings
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Capital One
360 Performance Savings
Pibank
Pibank Savings
4.60%APYDec 6, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Pibank
Pibank Savings
Comparison Analysis
Comparing Capital One vs. Pibank
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Higher rated iOS app (4.9 vs 2.4)
- ✓Higher rated Android app (4.5 vs 1.7)
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.40%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $340/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $850/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Capital OneCapital One offers an iOS app rated 4.9 (vs. 2.4) and Android app rated 4.5 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $120 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
Executive Summary
Pibank offers the highest APY with its Pibank Savings account at 4.60%, making it an attractive option for savers looking for better returns, especially on larger deposits. This online-only account requires a minimum balance of just $0.01 and has no maintenance fees or direct deposit requirements. In comparison, Capital One's 360 Performance Savings account provides a competitive APY of 3.40%, with no minimum deposit or balance requirements and a strong mobile app experience. While both accounts have no maintenance fees, Pibank stands out as the winner due to its significantly higher APY.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
| Feature | Capital One | Pibank |
|---|---|---|
| APY | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.60% Verified: 12/6/2025 Stable (90d) |
| Product Name | 360 Performance Savings | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.5 | iOS2.4 Android1.7 |
| BBB Rating | A+ | A |
| Next Steps |
Savings Comparison
Pibank earns $775.3 more than Capital One.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$2,825.80(13.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,825.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Pibank |
|---|---|---|
| 360 Performance Savings | Pibank Savings | |
Current APY | 3.40% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.4 | -0.0 |
Days Since Change | 66 | 295 |
10-Month High | 3.70% | 4.60% |
10-Month Low | 3.40% | 4.60% |
Adjustments / Mo | 0.31 | 0.00 |
Volatility Score | 0.030 | 0.000 |
How to read these metrics(Click to expand)
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