Peak Bank vs. Pibank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Peak Bank vs. Pibank
Key Metrics at a Glance
| Feature | Peak Bank | Pibank |
|---|---|---|
| Top Savings APY | 4.20% Envision High Yield Savings | 4.60% Pibank Savings |
| Minimum to Open | $100 | $0 |
| Minimum Balance for Top APY | $0.01 |
Peak Bank
Strengths
- Peak Bank offers an APY of 4.20%, though it decreased from 4.35% over the last 30 days.
- Peak Bank has a higher App Store rating of 4.8 compared to Pibank's 2.4.
- Peak Bank charges no maintenance fees for its accounts.
Potential Drawbacks
- Peak Bank's high yield savings account requires a minimum deposit of $100.
- Peak Bank has no physical branches available.
Pibank
Strengths
- Pibank offers a higher APY of 4.60%, stable over the last 30 days.
- Pibank has no minimum deposit requirement for its high yield savings account.
- Pibank charges no maintenance fees for its accounts.
Potential Drawbacks
- Pibank has a low App Store rating of 2.4 and a Google Play rating of 1.7.
- Pibank has no physical branches available.
Summary: Peak Bank provides a competitive APY of 4.20%, but it has a minimum deposit requirement. In contrast, Pibank offers a higher APY of 4.60% with no minimum deposit. However, Pibank's app ratings are significantly lower, indicating potential user dissatisfaction. Both banks operate online only and do not charge maintenance fees, but neither has physical branches.
→ As of October 21, 2025 Peak Bank offers an APY of 4.20% 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 yields $40 more than Peak Bank on a $10,000 balance after one year. Peak Bank pays $420, while Pibank pays $460 - an APY advantage for Pibank.
Calculate Savings Growth for Peak Bank vs Pibank
All calculations are based on APY.
Peak Bank - Envision High Yield Savings
Top APY: 4.20%
Total savings breakdown:
- Interest earned: $2,564.3 (12.47%)
- Total contributions: $13,000 (63.22%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,564.30
Effective APY: 4.20% (based on your deposit and contributions)
Total balance: $20,564.3
Earnings: $2,564.3
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, Peak Bank's total earnings would be $261.5 lower than Pibank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Peak Bank's vs Pibank's Savings Accounts
| Peak Bank | Pibank | ||
|---|---|---|---|
| Product | Envision High Yield Savings | vs | Pibank Savings |
| APY | 4.20% (as of 10/21/2025) | 4.60% (as of 10/21/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $100 | $0 | |
| Minimum Balance for APY | N/A | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.8/5 | 2.4/5 | |
| Google Play Rating | 4.7/5 | 1.7/5 | |
| BBB Rating | A+ | A |
Comparative Historical APY Insights (Last 8 Months)
| Peak Bank | Pibank | ||
|---|---|---|---|
| Product | Envision High Yield Savings | vs | Pibank Savings |
| Latest APY | 4.20 % | 4.60 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.2 | -0.0 | |
| Rate Changes / Mo | 0.48 | 0.00 | |
| Days Since Last Change | 20 | 244 | |
| High (-8 m) | 4.54 % | 4.60 % | |
| Low (-8 m) | 4.20 % | 4.60 % | |
| Draw-down from High | -7.5 % | 0.0 % | |
| Volatility (CV) | 0.022 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 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 (-8 m)
- Highest APY in the last 249 days.
- Low (-8 m)
- Lowest APY in the last 249 days.
- Draw-down from High
- How far today sits below the 8-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.
More Comparisons
Compare Peak Bank's APY of 4.20% with other banks
Compare Pibank's APY of 4.60% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Pibank vs Ally Bank | 3.40% | $0 |
| Pibank vs American Express | 3.50% | $0 |
| Pibank vs Axos Bank | 4.51% | $0 |
| Pibank vs Bank of America | 0.01% | $100 |
| Pibank vs Barclays | 4.10% | $0 |
| Pibank vs Bask Bank | 4.05% | $0 |
| Pibank vs BrioDirect | 4.20% | $5,000 |
| Pibank vs Capital One | 3.40% | $0 |
| Pibank vs Chase Bank | 0.01% | $0 |
| Pibank vs Chime | 3.50% | $0 |
| Pibank vs CIT Bank | 3.85% | $100 |
| Pibank vs Citizens Access™ | 3.50% | $0.01 |
| Pibank vs Discover Bank | 3.40% | $0 |
| Pibank vs Elevault | 4.34% | $0 |
| Pibank vs EverBank | 4.05% | $0 |
| Pibank vs Fitness Bank | 4.75% | $100 |
| Pibank vs FNBO Direct | 3.00% | $1 |
| Pibank vs FVCbank | 4.10% | $500 |
| Pibank vs GO2bank | 4.50% | $0 |
| Pibank vs LendingClub | 4.20% | $0 |
| Pibank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Pibank vs Neighbors Bank | 4.50% | $0 |
| Pibank vs Newtek Bank | 4.35% | $0 |
| Pibank vs Presidential Bank | 4.50% | $5,000 |
| Pibank vs Santander Bank | 0.01% | $25 |
| Pibank vs SoFi Bank | 4.50% | $0 |
| Pibank vs Synchrony Bank | 3.80% | $0 |
| Pibank vs TIMBR | 4.40% | $1,000 |
| Pibank vs UFB Direct | 3.96% | $5000 |
| Pibank vs Valley Direct | 4.10% | $1,000 |
| Pibank vs Varo Bank | 5.00% | $0 |
| Pibank vs Wells Fargo | 0.05% | $25 |
| Pibank vs Zynlo Bank | 4.20% | $10 |