MutualOne Bank vs. Pibank
Comparing MutualOne Bank and Pibank for high-yield savings: MutualOne Bank's Mo Premium Savings pays 4.07% APY while Pibank's Pibank Savings pays 4.60% 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 $460 more than MutualOne Bank annually ($460 vs $0).
Choose MutualOne Bank 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 | MutualOne BankMo Premium Savings Feb 21, 2026 | PibankPibank Savings Feb 21, 2026 |
|---|---|---|
| APY | 4.07% | 4.60% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$1,018 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
Min Deposit | $20,000 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
Comparison Analysis
Comparing MutualOne Bank vs. Pibank
Executive Summary
Pibank offers a competitive savings product, the Pibank Savings, with a notable APY of 4.60%, making it the winner in this comparison. This account requires no minimum deposit and has no maintenance fees, providing flexibility for savers. In contrast, MutualOne Bank's Mo Premium Savings yields a lower APY of 4.07%, but requires a minimum deposit of $20,000. While MutualOne also offers an Online Savings account with a lower APY of 0.40%, it is capped at $1,000,000. Both banks do not require direct deposits, but Pibank stands out for its higher returns and simpler terms.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why MutualOne Bank?
- ✓Physical branch access (Full-service banking offices in Framingham, MA, and Natick, MA)
- ✓Higher rated iOS app (4.9 vs 2.3)
- ✓Higher rated Android app (4.4 vs 1.7)
- ✓Fast transfers via Zelle®
Why Pibank?
- ✓Higher potential APY (4.60% vs 4.07%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $0/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $1018/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
MutualOne BankMutualOne Bank offers an iOS app rated 4.9 (vs. 2.3) and Android app rated 4.4 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $53 more interest on a $10,000 balance than MutualOne Bank's Mo Premium 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
Top Market Contenders
MutualOne Bank vs. Pibank Savings Calculator
You earn $106 more with Pibank than MutualOne Bank on a $20,000 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.
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$814.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,814.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$920.00(4.4%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,920.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | MutualOne Bank | Pibank |
|---|---|---|
| APY | 4.07% Verified: 2/21/2026 Stable (90d) | 4.60% Verified: 2/21/2026 Stable (90d) |
| Product Name | Mo Premium Savings | Pibank Savings |
| Minimum Deposit | $20,000 | $0 |
| Min. Balance for APY | $20,000 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Full-service banking offices in Framingham, MA, and Natick, MA | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Verified via website and app descriptions. | Not Supported |
| BBB Rating | A+ | A |
| Next Steps | Visit SiteVerify at MutualOne Bank Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | MutualOne Bank | Pibank | |
|---|---|---|---|
| Online Savings | Mo Premium Savings | Pibank Savings | |
Current APY | 0.40% | 4.07% | 4.60% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -0.0 | 0.0 |
Days Since Change | 162 | 162 | 162 |
5-Month High | 0.40% | 4.07% | 4.60% |
5-Month Low | 0.40% | 4.07% | 4.60% |
Adjustments / Mo | 0.00 | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare MutualOne Bank vs...
Comparing against Standard Savings
Compare Pibank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.
More Comparisons
Compare MutualOne Bank's APY of 4.07% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| MutualOne Bank vs Ally Bank | 3.20% | $0 |
| MutualOne Bank vs American Express | 3.30% | $0 |
| MutualOne Bank vs Axos Bank | 4.21% | $0 |
| MutualOne Bank vs Bank of America | 0.01% | $100 |
| MutualOne Bank vs Barclays | 3.85% | $0 |
| MutualOne Bank vs Capital One | 3.30% | $0 |
| MutualOne Bank vs Chase Bank | 0.01% | $0 |
| MutualOne Bank vs Chime | 3.00% | $0 |
| MutualOne Bank vs CIT Bank | 3.75% | $100 |
| MutualOne Bank vs Citibank | 3.20% | $0 |
| MutualOne Bank vs Discover Bank | 3.30% | $0 |
| MutualOne Bank vs EverBank | 3.90% | $0 |
| MutualOne Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| MutualOne Bank vs Newtek Bank | 4.20% | $0.01 |
| MutualOne Bank vs Openbank | 4.09% | $500 |
| MutualOne Bank vs SoFi Bank | 4.00% | $0 |
| MutualOne Bank vs Synchrony Bank | 3.50% | $0 |
| MutualOne Bank vs Varo Bank | 5.00% | $0 |
| MutualOne Bank vs Wealthfront | 3.95% | $0 |
| MutualOne Bank vs Wells Fargo | 0.05% | $25 |