Capital One vs. Pibank

High-Yield Savings Account Comparison

By Aviel Fahl|Last Updated: October 21, 2025

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Summary of Capital One vs. Pibank

Key Metrics at a Glance

FeatureCapital OnePibank
Top Savings APY

3.40%

360 Performance Savings

4.60%

Pibank Savings

Minimum to Open$0$0
Minimum Balance for Top APY$0$0.01

Capital One

Strengths

  • Capital One offers 360 Performance Savings with a current APY of 3.40%.
  • Capital One has over 200 branches across several states.
  • Capital One has a high App Store rating of 4.9.

Potential Drawbacks

  • Capital One's APY decreased from 3.50% over the last 30 days.
  • Capital One's Google Play rating is lower at 4.5.

Pibank

Strengths

  • Pibank offers a competitive APY of 4.60% for its savings account.
  • Pibank has no maintenance fees and a low minimum balance requirement.

Potential Drawbacks

  • Pibank has no physical branches, operating exclusively online.
  • Pibank's App Store rating is low at 2.4 and Google Play rating is even lower at 1.7.
  • Pibank is not BBB accredited and has a lower BBB rating of A.
Summary: Capital One provides a solid APY of 3.40% and extensive branch access, but its APY has recently decreased. In contrast, Pibank offers a higher APY of 4.60% with no fees but lacks physical branches and has poor app ratings. Additionally, Pibank is not BBB accredited, indicating lower trustworthiness compared to Capital One's A+ rating.

→ As of October 21, 2025 Capital One offers an APY of 3.40% 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 yields $120 more than Capital One on a $10,000 balance after one year. Capital One pays $340, while Pibank pays $460 - an APY advantage for Pibank.

Calculate Savings Growth for Capital One vs Pibank

All calculations are based on APY.

Capital One - 360 Performance Savings

Top APY: 3.40%

Total savings breakdown:

  • Interest earned: $2,050.5 (10.23%)
  • Total contributions: $13,000 (64.84%)
  • Initial deposit: $5,000 (24.94%)

Your total balance

$20,050.50

Effective APY: 3.40% (based on your deposit and contributions)

Total balance: $20,050.5

Earnings: $2,050.5

Bank Overview

Pibank - Pibank Savings

Top APY: 4.60%

Total savings breakdown:

  • Interest earned: $2,825.8 (13.57%)
  • Total contributions: $13,000 (62.42%)
  • Initial deposit: $5,000 (24.01%)

Your total balance

$20,825.80

Effective APY: 4.60% (based on your deposit and contributions)

Total balance: $20,825.8

Earnings: $2,825.8

Bank Overview

With a $5,000 initial deposit and $13,000 in total contributions over 5 years, Capital One's total earnings would be $775.3 lower than Pibank's total earnings.

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Compare Capital One's vs Pibank's Savings Accounts

Capital OnePibank
Product360 Performance SavingsvsPibank Savings
APY
3.40% (as of 10/21/2025)4.60% (as of 10/21/2025)
Bundled Account
NoNo
FDIC-insured
YesYes
Online OnlyNoYes
Compound Frequency
MonthlyDaily
Minimum Deposit$0$0
Minimum Balance for APY$0$0.01
Maintenance Fee$0$0
Direct Deposit Required
NoNo
App Store Rating4.9/52.4/5
Google Play Rating4.5/51.7/5
BBB RatingA+A

Comparative Historical APY Insights (Last 8 Months)

Capital OnePibank
Product360 Performance SavingsvsPibank Savings
Latest APY3.40 %4.60 %
TrendSidewaysSideways
Slope (bps/mo)-3.5-0.0
Rate Changes / Mo0.360.00
Days Since Last Change20249
High (-8 m)3.70 %4.60 %
Low (-8 m)3.40 %4.60 %
Draw-down from High-8.1 %0.0 %
Volatility (CV)0.0250.000
APY Insights Glossary
Latest APY
Most recent advertised annual-percentage yield.
Trend
Direction over the last 8 months (regression slope).
Slope (bps/mo)
Average monthly change; 10 bps = 0.10 pp.
Rate Changes / Mo
Typical number of APY moves per month.
Days Since Last Change
Recency of the latest APY adjustment.
High (-8 m)
Highest APY in the last 249 days.
Low (-8 m)
Lowest APY in the last 249 days.
Draw-down from High
How far today sits below the 8-month peak.
Volatility (CV)
Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
  • See how quickly a bank reacts to Fed moves or competition.
  • Gauge “twitchiness” - frequent moves can annoy savers.
  • Spot if you're buying near a peak (draw-down) or riding a rise.
  • Slope (bps/mo) shows speed of change.
  • Volatility (CV) scales jumps by average level.

More Comparisons

Compare Capital One's APY of 3.40% with other banks
Compare Pibank's APY of 4.60% with other banks