Pibank vs. Salem Five Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | PibankPibank Savings Jan 7, 2026 | Salem Five DirecteOne Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.60% | 3.61% |
Est. Earnings | $5,000+$230 $10,000+$460 $25,000+$1,150 | $5,000+$181 $10,000+$361 $25,000+$903 |
Min Deposit | $0 | $10 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported |
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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 Pibank vs. Salem Five Direct
As of Pibank offers an APY of 4.60% for its Pibank Savings account, with a minimum balance of $0.01, compared to Salem Five Direct's 3.61% APY for its eOne Savings account, with a minimum balance of $0.01.
Pibank pays $99 more than Salem Five Direct on a $10,000 balance after one year. Pibank pays $460, while Salem Five Direct pays $361 - an APY advantage for Pibank.
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.61%) on all balances
Why Salem Five Direct?
- ✓Higher rated iOS app (4.7 vs 2.4)
- ✓Higher rated Android app (4.2 vs 1.7)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $361/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $903/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Salem Five DirectSalem Five Direct offers an iOS app rated 4.7 (vs. 2.4) and Android app rated 4.2 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $99 more interest on a $10,000 balance than Salem Five Direct's eOne 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 a high APY of 4.60%, providing better returns on deposits compared to Salem Five Direct's eOne Savings account, which has an APY of 3.61%. Pibank's account has no minimum deposit requirements and does not necessitate direct deposit, making it straightforward for users. In contrast, Salem Five Direct requires a minimum deposit of $10 but also has no maintenance fees. Both accounts are online-only and FDIC insured, but Pibank stands out for its higher APY and simplicity.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Pibank vs. Salem Five Direct Savings Calculator
You earn $99 more with Pibank than Salem Five Direct 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.
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
Salem Five Direct
eOne Savings
Savings Breakdown
- Interest Earned+$361.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,361.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Pibank | Salem Five Direct |
|---|---|---|
| APY | 4.60% Verified: 1/7/2026 Stable (90d) | 3.61% Verified: 1/7/2026 ↘︎ 0.40%90d Change |
| Product Name | Pibank Savings | eOne Savings |
| Minimum Deposit | $0 | $10 |
| Min. Balance for APY | $0.01 | $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 | iOS2.4 Android1.7 | iOS4.7 Android4.2 |
| Zelle® Support | Not Supported | Available Uses shared Salem Five mobile platform. |
| BBB Rating | A | A- |
| Next Steps | Visit SiteVerify at Pibank Non-sponsored link to official site | Visit SiteVerify at Salem Five Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Pibank | Salem Five Direct |
|---|---|---|
| Pibank Savings | eOne Savings | |
Current APY | 4.60% | 3.61% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | -3.7 |
Days Since Change | 327 | 21 |
11-Month High | 4.60% | 4.01% |
11-Month Low | 4.60% | 3.61% |
Adjustments / Mo | 0.00 | 0.28 |
Volatility Score | 0.000 | 0.038 |
How to read these metrics(Click to expand)
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