FVCbank vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
FVCbank
Advantage Direct Savings
3.85%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
FVCbank
Advantage Direct Savings
Pibank
Pibank Savings
4.60%APYDec 6, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Pibank
Pibank Savings
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing FVCbank vs. Pibank
Why FVCbank?
- ✓Higher rated iOS app (4.4 vs 2.4)
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.85%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $385/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $963/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
FVCbankFVCbank offers an iOS app rated 4.4 (vs. 2.4) and Android app rated 3.6 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $75 more interest on a $10,000 balance than FVCbank's Advantage Direct Savings.
Executive Summary
Pibank offers a competitive savings product with an APY of 4.60%, making it the clear winner compared to FVCbank's Advantage Direct Savings, which has an APY of 3.85%. Both banks provide online-only savings accounts with no maintenance fees and low minimum deposit requirements, but Pibank stands out for its simplicity, as it has no direct deposit requirement and allows deposits starting from just $0.01. Additionally, Pibank's product is noted for better returns at various deposit levels, further enhancing its appeal.
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 | FVCbank | Pibank |
|---|---|---|
| APY | 3.85% Verified: 12/6/2025 ↘︎ 0.50%90d Change | 4.60% Verified: 12/6/2025 Stable (90d) |
| Product Name | Advantage Direct Savings | Pibank Savings |
| Minimum Deposit | $500 | $0 |
| Min. Balance for APY | $500 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.4 Android3.6 | iOS2.4 Android1.7 |
| BBB Rating | B- | A |
| Next Steps |
Savings Comparison
Pibank earns $487.8 more than FVCbank.
FVCbank
Advantage Direct Savings
Savings Breakdown
- Interest Earned+$2,338.00(11.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,338.00
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 | FVCbank | Pibank |
|---|---|---|
| Advantage Direct Savings | Pibank Savings | |
Current APY | 3.85% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.3 | 0.0 |
Days Since Change | 35 | 261 |
9-Month High | 4.55% | 4.60% |
9-Month Low | 3.85% | 4.60% |
Adjustments / Mo | 0.92 | 0.00 |
Volatility Score | 0.056 | 0.000 |
How to read these metrics(Click to expand)
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