Pibank vs. Valley Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | PibankPibank Savings Jan 21, 2026 | Valley DirectHigh-Yield Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 4.60% | 3.40% - 4.00% |
Est. Earnings | $5,000+$230 $10,000+$460 $25,000+$1,150 | $5,000+$200 $10,000+$400 $25,000+$1,000 |
Min Deposit | $0 | $1,000 |
Snapshot view. Rates subject to change. | ||
Terms | - | Promo rate for new customers. 3.40% APY applies to existing customers. |
| Features | FDIC InsuredNo Minimums | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Comparison Analysis
Comparing Pibank vs. Valley Direct
As of Pibank offers an APY of 4.60% for its Pibank Savings account, with a minimum balance of $0.01, compared to Valley Direct's 4.00% APY for its High-Yield Savings Account, with a minimum balance of $0.01.
Pibank pays $60 more than Valley Direct on a $10,000 balance after one year. Pibank pays $460, while Valley Direct pays $400 - an APY advantage for Pibank.
Why Pibank?
- ✓Higher potential APY (4.60% vs 4.00%) on all balances
- ✓Available to New & Existing Customers
Why Valley Direct?
- ✓Higher rated iOS app (4.8 vs 2.3)
- ✓Higher rated Android app (4.6 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 $400/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $1000/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Valley DirectValley Direct 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 $60 more interest on a $10,000 balance than Valley Direct's High-Yield Savings Account.
*This comparison accounts for Valley Direct's introductory promotional rate, yet Pibank's standard rate still yields a higher 1-year return.
Executive Summary as of
Pibank offers a competitive savings option with its Pibank Savings account, providing a robust APY of 4.60% with no minimum deposit requirement and no direct deposit needed, making it an excellent choice for those seeking simplicity. In contrast, Valley Direct's High-Yield Savings Account offers a slightly lower APY of 4.00%, but is available only to new customers, with existing customers receiving a lower rate of 3.40%. While Valley Direct boasts a strong mobile app experience, Pibank's higher APY and straightforward terms position it as the preferable option for savers.
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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Pibank vs. Valley Direct Savings Calculator
You earn $60 more with Pibank than Valley 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
Valley Direct
High-Yield Savings Account
Promo Rate: 4.00% for 12 months, then 3.40%.
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Pibank | Valley Direct |
|---|---|---|
| APY | 4.60% Verified: 1/21/2026 Stable (90d) | 4.00% Range: 3.40% - 4.00% Verified: 1/21/2026 ↘︎ 0.10%90d Change |
| Product Name | Pibank Savings | High-Yield Savings Account |
| Minimum Deposit | $0 | $1,000 |
| Min. Balance for APY | $0.01 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS2.3 Android1.7 | iOS4.8 Android4.6 |
| Zelle® Support | Not Supported | Available Allows Zelle directly on HYSA. |
| BBB Rating | A | A+ |
| Important Notes | - | Promo rate for new customers. 3.40% APY applies to existing customers. |
| Next Steps | Visit SiteVerify at Pibank Non-sponsored link to official site | Visit SiteVerify at Valley Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Pibank | Valley Direct |
|---|---|---|
| Pibank Savings | High-Yield Savings Account | |
Current APY | 4.60% | 4.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -1.8 |
Days Since Change | 341 | 40 |
11-Month High | 4.60% | 4.40% |
11-Month Low | 4.60% | 3.75% |
Adjustments / Mo | 0.00 | 0.70 |
Volatility Score | 0.000 | 0.037 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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