MutualOne Bank vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | MutualOne BankMo Premium Savings Jan 7, 2026 | PibankPibank Savings Jan 7, 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® Supported | FDIC InsuredNo Minimums |
Comparison Analysis
Comparing MutualOne Bank vs. Pibank
As of MutualOne Bank offers an APY of 4.07% for its Mo Premium Savings account, with a minimum balance of $20,000, compared to Pibank's 4.60% APY for its Pibank Savings account, with a minimum balance of $0.01.
Pibank pays $53 more than MutualOne Bank on a $10,000 balance after one year. MutualOne Bank pays $407, while Pibank pays $460 - an APY advantage for Pibank.
In addition, MutualOne Bank also offers 0.40% APY for the Online Savings account, with a minimum balance of 0.
Why MutualOne Bank?
- ✓Physical branch access (Full-service banking offices in Framingham, MA, and Natick, MA)
- ✓Higher rated iOS app (4.9 vs 2.4)
- ✓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. 2.4) 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.
Executive Summary as of
Pibank offers a competitive Pibank Savings account with an APY of 4.60%, making it the top choice compared to MutualOne Bank's Mo Premium Savings, which has an APY of 4.07%. Pibank's account requires no minimum deposit and has no maintenance fees, while MutualOne Bank requires a minimum deposit of $20,000. Additionally, Pibank's account compounds daily, providing a potential edge in earnings. MutualOne Bank does offer an Online Savings account with a lower APY of 0.40%, but it is capped at $1,000,000. Both banks are online-only and do not require direct deposit for their savings products.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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: 1/7/2026 Stable (90d) | 4.60% Verified: 1/7/2026 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 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.4 | iOS2.4 Android1.7 |
| 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 | 114 | 114 | 114 |
4-Month High | 0.40% | 4.07% | 4.60% |
4-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)
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