Capital One vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 21, 2026 | PibankPibank Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 4.60% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo Minimums |
Comparison Analysis
Comparing Capital One vs. Pibank
As of Capital One offers an APY of 3.30% for its 360 Performance Savings account, with a minimum balance of $0, compared to Pibank's 4.60% APY for its Pibank Savings account, with a minimum balance of $0.01.
Pibank pays $130 more than Capital One on a $10,000 balance after one year. Capital One pays $330, while Pibank pays $460 - an APY advantage for 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 2.3)
- ✓Higher rated Android app (4.5 vs 1.7)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.30%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $330/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $825/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. 2.3) and Android app rated 4.5 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $130 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Pibank offers a competitive savings product with a higher APY of 4.60% through its Pibank Savings account, which is online-only and requires a minimum balance of $0.01. This account provides daily compounding and has no maintenance fees or direct deposit requirements, making it a straightforward choice for savers. In comparison, Capital One's 360 Performance Savings account offers a lower APY of 3.30% with similar features, including no minimum deposit or maintenance fees. While Capital One is noted for its superior mobile app experience, Pibank stands out for its higher returns, especially beneficial for both small and larger deposits.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Capital One vs. Pibank Savings Calculator
You earn $130 more with Pibank than Capital One 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.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | Pibank |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 4.60% Verified: 1/21/2026 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 | iOS2.3 Android1.7 |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Not Supported |
| BBB Rating | A+ | A |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Pibank |
|---|---|---|
| 360 Performance Savings | Pibank Savings | |
Current APY | 3.30% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.3 | 0.0 |
Days Since Change | 13 | 341 |
11-Month High | 3.70% | 4.60% |
11-Month Low | 3.30% | 4.60% |
Adjustments / Mo | 0.35 | 0.00 |
Volatility Score | 0.033 | 0.000 |
How to read these metrics(Click to expand)
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