High-Yield Savings Account Comparison

Pibank vs. UFB Direct

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

Pibank

Pibank Savings

4.60%
APY
Dec 6, 2025
FDIC InsuredNo Minimums
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 25258)
EligibilityUnited States
Mobile Ratings
iOS:2.4Android:1.7
BBB Rating
A(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview

UFB Direct

UFB Checking and Savings Bundle

Up to
3.71%
APY
Dec 6, 2025
FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android App
Range: 3.51% – 3.71%
Show Fine Print & Trends
Min. Deposit$5000
Min. Balance$10,000
Maintenance Fee$0
Compound FreqDaily
Direct DepositRequired (See terms)
Deposit InsuranceFDIC Insured(Cert: 35546)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.3
BBB Rating
A+(BBB Accredited)

Important Note

The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details.

Rate Stability

Rate Adjusted
-0.50%
Since 90 days ago
Sponsored LinkOpen Account

at UFB Direct, Member FDIC

Read Bank Overview

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.

Find Branch Access

Comparison Analysis

Comparing Pibank vs. UFB Direct

Updated: Dec 6, 2025

Why Pibank?

  • ✓Higher potential APY (4.60% vs 3.51%-3.71%) on all balances

Why UFB Direct?

  • ✓Offers 2.00% APY on Checking Account in addition to the savings APY
  • ✓Access to over 90,000 fee-free ATMs
  • ✓Higher rated iOS app (4.8 vs 2.4)
  • ✓Higher rated Android app (4.3 vs 1.7)
  • ✓Offers 2 different high-yield savings options

— Key Feature Differences —

Better Returns at $10,000
Pibank

Pibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $371/yr).

Better Returns at $25,000
Pibank

Pibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $928/yr).

Best for Simplicity
Pibank

Pibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
UFB Direct

UFB Direct offers an iOS app rated 4.8 (vs. 2.4) and Android app rated 4.3 (vs. 1.7)

Shared Benefits

Both offer monthly maintenance-free account options Both banks have options with $0 opening deposit Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, Pibank's Pibank Savings pays $89 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.

UFB DirectPibank
Automated Data Audit

Executive Summary

Pibank offers a competitive Pibank Savings account with a notable APY of 4.60%, making it the clear winner in this comparison. This account features no minimum deposit or balance requirements, no maintenance fees, and does not mandate direct deposit, making it straightforward for users. In contrast, UFB Direct's top product, the UFB Portfolio Savings, provides a lower APY of 3.51% with similar conditions, including no minimums or fees. Additionally, UFB Direct has a bundled checking and savings option that can yield up to 3.71% APY, but it requires a checking account and specific transaction criteria. Both banks operate online-only.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExplorePibankExploreUFB Direct
FeaturePibankUFB Direct
APY
4.60%
Verified: 12/6/2025
Stable (90d)
3.71%
Range: 3.51% - 3.71%
Verified: 12/6/2025
↘︎ 0.50%90d Change
Product NamePibank SavingsUFB Checking and Savings Bundle
Minimum Deposit$0$5000
Min. Balance for APY$0.01$10,000
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.None
Required
Checking BundleNo Yes
Mobile Apps
iOS2.4
Android1.7
iOS4.8
Android4.3
BBB RatingAA+
Important Notes-The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details.
Next Steps
- View Details
SponsoredOpen Account

Savings Comparison

Calculations based on current APY.
$
$

Pibank earns $607.1 more than UFB Direct.

Pibank

Pibank Savings

4.60% APY

Savings Breakdown

  • Interest Earned
    +$2,825.80(13.6%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,825.80

Effective APY
4.60%
View Details

UFB Direct

UFB Checking and Savings Bundle

3.71% APY

Higher APY requires $10,000

Savings Breakdown

  • Interest Earned
    +$2,218.70(11.0%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,218.70

Effective APY
3.66%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricPibankUFB Direct
Pibank SavingsUFB Checking and Savings BundleUFB Portfolio Savings
Current APY
4.60%3.71%3.51%
Trend
 Stable Stable Stable
Velocity (bps/mo)
-0.0-5.0-5.0
Days Since Change
2953737
10-Month High
4.60%4.21%4.01%
10-Month Low
4.60%3.71%3.51%
Adjustments / Mo
0.000.310.31
Volatility Score
0.0000.0470.049
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 295-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar Alternatives

Compare Pibank vs...

Comparing against Standard Savings

vs Pibank
Neighbors BankNo Bundle Req
4.50%
APY
vs Pibank
TIMBRNo Bundle Req
4.40%
APY
vs Pibank
Newtek BankNo Bundle Req
4.35%
APY

Compare UFB Direct vs...

Comparing against other Bundled Accounts

vs UFB Direct
Axos BankChecking Bundle
4.31%
APY
vs UFB Direct
SoFi BankChecking Bundle
4.30%
APY
vs UFB Direct
Presidential BankChecking Bundle
4.00%
APY

More Comparisons

Compare Pibank's APY of 4.60% with other banks
Bank PairCompetitor APYMin Deposit
Pibank vs Ally Bank3.30%$0
Pibank vs American Express3.40%$0
Pibank vs Axos Bank4.31%$0
Pibank vs Bank of America0.01%$100
Pibank vs Barclays4.00%$0
Pibank vs Bask Bank3.90%$0
Pibank vs BMO Alto3.25%$0
Pibank vs BrioDirect4.00%$5,000
Pibank vs Capital One3.40%$0
Pibank vs Chase Bank0.01%$0
Pibank vs Chime3.50%$0
Pibank vs CIT Bank3.75%$100
Pibank vs Citibank3.30%$0
Pibank vs Citizens Access™3.35%$0.01
Pibank vs Climate First Bank4.21%$50
Pibank vs Discover Bank3.40%$0
Pibank vs Elevault4.08%$0
Pibank vs EverBank4.05%$0
Pibank vs Fitness Bank4.75%$100
Pibank vs FNBO Direct3.00%$1
Pibank vs Forbright Bank4.00%$0
Pibank vs FVCbank3.85%$500
Pibank vs GO2bank4.50%$0
Pibank vs Ivy Bank4.25%$2,500
Pibank vs LendingClub4.20%$0
Pibank vs Marcus by Goldman Sachs3.65%$0
Pibank vs Neighbors Bank4.50%$0
Pibank vs Newtek Bank4.35%$0.01
Pibank vs Openbank4.20%$500
Pibank vs Peak Bank4.20%$100
Pibank vs PNC3.53%$0
Pibank vs Presidential Bank4.00%$5,000
Pibank vs Quontic Bank3.75%$100
Pibank vs Salem Five Direct3.71%$10
Pibank vs Santander Bank0.01%$25
Pibank vs SoFi Bank4.30%$0
Pibank vs Synchrony Bank3.65%$0
Pibank vs TIMBR4.40%$1,000
Pibank vs Valley Direct4.10%$1,000
Pibank vs Varo Bank5.00%$0
Pibank vs Vio Bank4.16%$100
Pibank vs Wealthfront4.15%$0
Pibank vs Wells Fargo0.05%$25
Pibank vs Zynlo Bank4.05%$10
Compare UFB Direct's APY of 3.71% with other banks
Bank PairCompetitor APYMin Deposit
UFB Direct vs Ally Bank3.30%$0
UFB Direct vs American Express3.40%$0
UFB Direct vs Bank of America0.01%$100
UFB Direct vs Barclays4.00%$0
UFB Direct vs Bask Bank3.90%$0
UFB Direct vs BMO Alto3.25%$0
UFB Direct vs BrioDirect4.00%$5,000
UFB Direct vs Capital One3.40%$0
UFB Direct vs Chase Bank0.01%$0
UFB Direct vs Chime3.50%$0
UFB Direct vs CIT Bank3.75%$100
UFB Direct vs Citibank3.30%$0
UFB Direct vs Citizens Access™3.35%$0.01
UFB Direct vs Climate First Bank4.21%$50
UFB Direct vs Discover Bank3.40%$0
UFB Direct vs Elevault4.08%$0
UFB Direct vs EverBank4.05%$0
UFB Direct vs Fitness Bank4.75%$100
UFB Direct vs FNBO Direct3.00%$1
UFB Direct vs Forbright Bank4.00%$0
UFB Direct vs FVCbank3.85%$500
UFB Direct vs GO2bank4.50%$0
UFB Direct vs Ivy Bank4.25%$2,500
UFB Direct vs LendingClub4.20%$0
UFB Direct vs Marcus by Goldman Sachs3.65%$0
UFB Direct vs Neighbors Bank4.50%$0
UFB Direct vs Newtek Bank4.35%$0.01
UFB Direct vs Openbank4.20%$500
UFB Direct vs Peak Bank4.20%$100
UFB Direct vs PNC3.53%$0
UFB Direct vs Presidential Bank4.00%$5,000
UFB Direct vs Quontic Bank3.75%$100
UFB Direct vs Salem Five Direct3.71%$10
UFB Direct vs Santander Bank0.01%$25
UFB Direct vs SoFi Bank4.30%$0
UFB Direct vs Synchrony Bank3.65%$0
UFB Direct vs TIMBR4.40%$1,000
UFB Direct vs Valley Direct4.10%$1,000
UFB Direct vs Varo Bank5.00%$0
UFB Direct vs Vio Bank4.16%$100
UFB Direct vs Wealthfront4.15%$0
UFB Direct vs Wells Fargo0.05%$25
UFB Direct vs Zynlo Bank4.05%$10