Peak Bank vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Peak BankEnvision High Yield Savings Jan 21, 2026 | PibankPibank Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.99% | 4.60% |
Est. Earnings | $5,000+$200 $10,000+$399 $25,000+$998 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
Min Deposit | $100 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android App | FDIC InsuredNo Minimums |
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.
As of Peak Bank offers an APY of 3.99% for its Envision High Yield Savings account, with a minimum balance of , compared to Pibank's 4.60% APY for its Pibank Savings account, with a minimum balance of $0.01.
Pibank pays $61 more than Peak Bank on a $10,000 balance after one year. Peak Bank pays $399, while Pibank pays $460 - an APY advantage for Pibank.
Why Peak Bank?
- ✓Higher rated iOS app (4.8 vs 2.3)
- ✓Higher rated Android app (4.6 vs 1.7)
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.99%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $399/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $998/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Peak BankPeak Bank offers an iOS app rated 4.8 (vs. 2.3) and Android app rated 4.6 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $61 more interest on a $10,000 balance than Peak Bank's Envision High Yield 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 savings product, the Pibank Savings, with a notable APY of 4.60%, making it the higher-yield option compared to Peak Bank's Envision High Yield Savings, which provides an APY of 3.99%. Both banks have no maintenance fees and require no direct deposit, but Pibank stands out for its simplicity, allowing for a minimum deposit of just $0.01. Additionally, Pibank's product is advantageous for both small and larger deposits, yielding better returns at various amounts. Both banks operate online only, with Peak Bank recognized for its superior mobile app experience.
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
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Peak Bank vs. Pibank Savings Calculator
You earn $61 more with Pibank than Peak Bank 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.
Peak Bank
Envision High Yield Savings
Savings Breakdown
- Interest Earned+$399.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,399.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Peak Bank | Pibank |
|---|---|---|
| APY | 3.99% Verified: 1/21/2026 ↘︎ 0.21%90d Change | 4.60% Verified: 1/21/2026 Stable (90d) |
| Product Name | Envision High Yield Savings | Pibank Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | N/A | $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 | iOS4.8 Android4.6 | iOS2.3 Android1.7 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A |
| Next Steps | Visit SiteVerify at Peak 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 | Peak Bank | Pibank |
|---|---|---|
| Envision High Yield Savings | Pibank Savings | |
Current APY | 3.99% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.3 | 0.0 |
Days Since Change | 20 | 341 |
11-Month High | 4.54% | 4.60% |
11-Month Low | 3.99% | 4.60% |
Adjustments / Mo | 0.62 | 0.00 |
Volatility Score | 0.037 | 0.000 |
How to read these metrics(Click to expand)
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