Pibank vs. Sallie Mae Bank
Comparing Pibank and Sallie Mae Bank for high-yield savings: Pibank's Pibank Savings pays 4.60% APY while Sallie Mae Bank's High-Yield Savings Account pays 3.90% 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 $70 more than Sallie Mae Bank annually ($460 vs $390).
Choose Pibank if getting the best rate matters most, or you're an iPhone user.
| Metric | PibankPibank Savings Feb 6, 2026 | Sallie Mae BankHigh-Yield Savings Account Feb 6, 2026 |
|---|---|---|
| APY | 4.60% | 3.90% |
Est. Earnings | $5,000+$230 $10,000+$460 $25,000+$1,150 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsDaily CompoundingStable Rate | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
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.
Comparison Analysis
Comparing Pibank vs. Sallie Mae Bank
Executive Summary
Pibank offers a competitive Pibank Savings account with an impressive APY of 4.60%, making it the clear winner over Sallie Mae Bank's High-Yield Savings Account, which provides a lower APY of 3.90%. Both accounts are online-only, have no minimum deposit or maintenance fees, and do not require direct deposit. Pibank's account stands out for its simplicity, with no bundling or caps on earnings, while Sallie Mae Bank's account serves as a secondary option for savers seeking a high-yield account.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.90%) on all balances
Why Sallie Mae Bank?
No distinct advantages found vs Pibank.
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $390/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $975/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $70 more interest on a $10,000 balance than Sallie Mae Bank's High-Yield Savings Account.
*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
Pibank vs. Sallie Mae Bank Savings Calculator
You earn $70 more with Pibank than Sallie Mae 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.
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
Sallie Mae Bank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $389 per year in interest.
Both Pibank and Sallie Mae Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Pibank | Sallie Mae Bank |
|---|---|---|
| APY | 4.60% Verified: 2/6/2026 Stable (90d) | 3.90% Verified: 2/6/2026 Stable (90d) |
| Product Name | Pibank Savings | High-Yield Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A | A+ |
| Next Steps | Visit SiteVerify at Pibank Non-sponsored link to official site | Visit SiteVerify at Sallie Mae Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Pibank | Sallie Mae Bank |
|---|---|---|
| Pibank Savings | High-Yield Savings Account | |
Current APY | 4.60% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | -0.0 |
Days Since Change | 357 | 357 |
12-Month High | 4.60% | 3.90% |
12-Month Low | 4.60% | 3.90% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare Pibank's APY of 4.60% with other banks
Compare Sallie Mae Bank's APY of 3.90% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Sallie Mae Bank vs Ally Bank | 3.30% | $0 |
| Sallie Mae Bank vs American Express | 3.30% | $0 |
| Sallie Mae Bank vs Axos Bank | 4.21% | $0 |
| Sallie Mae Bank vs Bank of America | 0.01% | $100 |
| Sallie Mae Bank vs Barclays | 4.00% | $0 |
| Sallie Mae Bank vs Capital One | 3.30% | $0 |
| Sallie Mae Bank vs Chase Bank | 0.01% | $0 |
| Sallie Mae Bank vs Chime | 3.00% | $0 |
| Sallie Mae Bank vs CIT Bank | 3.75% | $100 |
| Sallie Mae Bank vs Citibank | 3.20% | $0 |
| Sallie Mae Bank vs Discover Bank | 3.30% | $0 |
| Sallie Mae Bank vs EverBank | 3.90% | $0 |
| Sallie Mae Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Sallie Mae Bank vs Newtek Bank | 4.20% | $0.01 |
| Sallie Mae Bank vs Openbank | 4.09% | $500 |
| Sallie Mae Bank vs SoFi Bank | 4.00% | $0 |
| Sallie Mae Bank vs Synchrony Bank | 3.50% | $0 |
| Sallie Mae Bank vs Varo Bank | 5.00% | $0 |
| Sallie Mae Bank vs Wealthfront | 3.95% | $0 |
| Sallie Mae Bank vs Wells Fargo | 0.05% | $25 |