Capital One vs. Pibank
Comparing Capital One and Pibank for high-yield savings: Capital One's 360 Performance Savings pays 3.20% APY while Pibank's Pibank Savings pays 4.40% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Pibank pays $120 more than Capital One annually ($440 vs $320).
Choose Capital One if you value in-person banking, mobile app quality matters, or you want Zelle for quick transfers. Choose Pibank if getting the best rate matters most.
| Metric | Capital One360 Performance Savings Apr 21, 2026 | PibankPibank Savings Apr 21, 2026 |
|---|---|---|
| APY | 3.20% | 4.40% |
Est. Earnings | $5,000+$160 $10,000+$320 $25,000+$800 | $5,000+$220 $10,000+$440 $25,000+$1,100 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
Comparison Analysis
Comparing Capital One vs. Pibank
Executive Summary
Pibank offers a competitive savings product with a higher APY of 4.40% for its Pibank Savings account, making it the clear winner in this comparison. This account features daily compounding and has no minimum deposit or maintenance fees, although it is available online only. In contrast, Capital One's 360 Performance Savings account provides a lower APY of 3.20%, but also has no minimum deposit requirements and no maintenance fees, with monthly compounding. Both banks do not require direct deposit and are FDIC insured, but Pibank's higher yield positions it as the better option 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 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 (4.8 vs 2.1)
- ✓Higher rated Android app (4.5 vs 1.8)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why Pibank?
- ✓Higher potential APY (4.40% vs 3.20%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $440 vs $320/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1100 vs $800/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.40% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Capital OneCapital One offers an iOS app rated 4.8 (vs. 2.1) and Android app rated 4.5 (vs. 1.8)
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.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
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Capital One vs. Pibank Savings Calculator
You earn $120 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+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$440.00(4.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,440.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $319 per year in interest.
Both Capital One and Pibank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Capital One | Pibank |
|---|---|---|
| APY | 3.20% Verified: 4/21/2026 ↘︎ 0.10%90d Change | 4.40% Verified: 4/21/2026 ↘︎ 0.20%90d Change |
| Product Name | 360 Performance Savings | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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 | 3.20% | 4.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.5 | -0.2 |
Days Since Change | 40 | 5 |
12-Month High | 3.60% | 4.60% |
12-Month Low | 3.20% | 4.40% |
Adjustments / Mo | 0.33 | 0.08 |
Volatility Score | 0.037 | 0.006 |
How to read these metrics(Click to expand)
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