Citibank vs. Pibank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Citibank vs. Pibank
Key Metrics at a Glance
| Feature | Citibank | Pibank |
|---|---|---|
| Top Savings APY | 3.35% Citi Accelerate Savings | 4.60% Pibank Savings |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0.01 | $0.01 |
Citibank
Strengths
- Citi Accelerate Savings has a competitive APY of 3.35%, though it decreased from 3.40% last month.
- Citibank has a higher App Store rating of 4.9 compared to Pibank's 2.4.
- Citibank offers physical branches in major U.S. metropolitan areas.
Potential Drawbacks
- Citibank has a low BBB rating of D- and is not BBB Accredited.
- Citi Accelerate Savings charges a $4.50 maintenance fee unless a $500 balance is maintained.
- Citi's higher APY requires an online-only account.
Pibank
Strengths
- Pibank Savings offers a higher APY of 4.6%, stable over the past month.
- Pibank has no maintenance fees, making it cost-effective.
- Pibank holds a strong BBB rating of A, indicating better trustworthiness.
Potential Drawbacks
- Pibank has no physical branches, which may limit access for some customers.
- Pibank has a low Google Play rating of 1.8, indicating user dissatisfaction.
- Pibank's App Store rating is only 2.4, suggesting room for improvement.
Summary: Citibank's Citi Accelerate Savings offers a lower APY of 3.35% with a maintenance fee, while Pibank provides a higher APY of 4.6% with no fees. Citibank has physical branches and better App Store ratings, but a poor BBB rating. In contrast, Pibank boasts a strong BBB rating but lacks physical locations and has lower app ratings, indicating mixed user experiences.
→ As of November 12, 2025 Citibank offers an APY of 3.35% for its Citi Accelerate Savings account, with a minimum balance of $0.01, compared to Pibank's 4.60% APY for its Pibank Savings account, with a minimum balance of $0.01.
→ Pibank yields $125 more than Citibank on a $10,000 balance after one year. Citibank pays $335, while Pibank pays $460 - an APY advantage for Pibank.
→ In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account.
Calculate Savings Growth for Citibank vs Pibank
All calculations are based on APY.
Citibank - Citi Accelerate Savings
Top APY: 3.35%
Total savings breakdown:
- Interest earned: $2,018.8 (10.08%)
- Total contributions: $13,000 (64.94%)
- Initial deposit: $5,000 (24.98%)
Your total balance
$20,018.80
Effective APY: 3.35% (based on your deposit and contributions)
Total balance: $20,018.8
Earnings: $2,018.8
Bank OverviewPibank - 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 OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Citibank's total earnings would be $807 lower than Pibank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Citibank's vs Pibank's Savings Accounts
| Citibank | Pibank | |||
|---|---|---|---|---|
| Product | Citi Accelerate Savings | Citi® Savings Account | vs | Pibank Savings |
| APY | 3.35% (as of 11/12/2025) | 0.03% (as of 11/12/2025) | 4.60% (as of 11/12/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | No | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $0 | |
| Minimum Balance for APY | $0.01 | $0.01 | $0.01 | |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 | $4.50. Waived for average monthly balances > $500 | $0 | |
| Direct Deposit Required | No | No | No | |
| Eligibility | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. | California, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia (partial), Washington D.C., and select parts of Florida and Illinois. In addition, promotional rates may be available if requirements are met. | United States | |
| App Store Rating | 4.9/5 | 2.4/5 | ||
| Google Play Rating | 4.8/5 | 1.8/5 | ||
| BBB Rating | D- | A | ||
Comparative Historical APY Insights (Last 9 Months)
| Citibank | Pibank | |||
|---|---|---|---|---|
| Product | Citi® Savings Account | Citi Accelerate Savings | vs | Pibank Savings |
| Latest APY | 0.03 % | 3.35 % | 4.60 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | -4.8 | 0.0 | |
| Rate Changes / Mo | 0.00 | 0.55 | 0.00 | |
| Days Since Last Change | 271 | 9 | 271 | |
| High (-9 m) | 0.03 % | 3.80 % | 4.60 % | |
| Low (-9 m) | 0.03 % | 3.35 % | 4.60 % | |
| Draw-down from High | 0.0 % | -11.8 % | 0.0 % | |
| Volatility (CV) | 0.000 | 0.037 | 0.000 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 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 (-9 m)
- Highest APY in the last 272 days.
- Low (-9 m)
- Lowest APY in the last 272 days.
- Draw-down from High
- How far today sits below the 9-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.