Pibank vs. Valley Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
Pibank
Pibank Savings
4.60%APYDec 6, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Pibank
Pibank Savings
Valley Direct
High-Yield Savings Account
Up to4.10%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.10%Show Fine Print & Trends Hide Details
Valley Direct
High-Yield Savings Account
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. Valley Direct
Why Pibank?
- ✓Higher potential APY (4.60% vs 4.10%) on all balances
- ✓Available to New & Existing Customers
Why Valley Direct?
- ✓Higher rated iOS app (4.8 vs 2.4)
- ✓Higher rated Android app (4.5 vs 1.7)
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $410/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $1025/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. 2.4) and Android app rated 4.5 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $50 more interest on a $10,000 balance than Valley Direct's High-Yield Savings Account.
Executive Summary
Pibank offers a competitive Pibank Savings account with an APY of 4.60%, making it the winner in this comparison. This account has no minimum deposit requirement, no maintenance fees, and does not require direct deposit, making it simple and accessible. In contrast, Valley Direct's High-Yield Savings Account provides a lower APY of 4.10%, but it is only available to new customers, while existing customers receive a lower rate of 3.50%. Both banks operate online only, and Pibank's account stands out for its higher yield and straightforward terms.
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.
| Feature | Pibank | Valley Direct |
|---|---|---|
| APY | 4.60% Verified: 12/6/2025 Stable (90d) | 4.10% Range: 3.50% - 4.10% Verified: 12/6/2025 ↘︎ 0.20%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 | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS2.4 Android1.7 | iOS4.8 Android4.5 |
| BBB Rating | A | A+ |
| Important Notes | - | Promo rate for new customers. 3.50% APY applies to existing customers. |
| Next Steps |
Savings Comparison
Pibank earns $326.4 more than Valley Direct.
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$2,825.80(13.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,825.80
Valley Direct
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Pibank | Valley Direct |
|---|---|---|
| Pibank Savings | High-Yield Savings Account | |
Current APY | 4.60% | 4.10% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | -0.7 |
Days Since Change | 295 | 71 |
10-Month High | 4.60% | 4.40% |
10-Month Low | 4.60% | 3.75% |
Adjustments / Mo | 0.00 | 0.71 |
Volatility Score | 0.000 | 0.035 |
How to read these metrics(Click to expand)
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