Ivy Bank vs. Pibank
Ivy Bank's High-Yield Savings Account pays 3.85% APY while Pibank's Pibank Savings pays 4.10% 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 $25 more than Ivy Bank annually ($410 vs $385).
Choose Ivy Bank if you're an iPhone user, or choose Pibank if getting the best rate matters most.
| Metric | Ivy BankHigh-Yield Savings Account Sep 4, 2026 | PibankPibank Savings Sep 4, 2026 |
|---|---|---|
| APY | 3.85% | 4.10% |
Earns in a year | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$205 $10,000+$410 $25,000+$1,025 |
Min. Deposit | $2,500 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredMod. MinimumGreat iOS AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
Prefer In-Person Banking?
Both of these institutions are online-only. If you need in-branch access, check out our list of savings accounts with brick-and-mortar locations.
Executive Summary
Pibank offers a competitive High-Yield Savings Account with an APY of 4.10%, making it the winner in this comparison. This account requires a minimum balance of just $1 and has no maintenance fees, providing better returns for both small and larger deposits compared to Ivy Bank's High-Yield Savings Account, which offers a lower APY of 3.85% with a minimum deposit and balance requirement of $250,000. Both accounts are online-only and nationally available, with Pibank's account noted for its simplicity, as it does not require direct deposit or bundling.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Ivy Bank?
- Higher rated iOS app (4.6 vs 2.1)
Why Pibank?
- Higher potential APY (4.10% vs 3.85%) on all balances
Key Feature Differences
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $410 vs $385/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1025 vs $963/yr).
Better for Simplicity
PibankPibank's Pibank Savings offers 4.10% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $25 more interest on a $10,000 balance than Ivy 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
Ivy Bank vs. Pibank Savings Calculator
You earn $25 more with Pibank than Ivy 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.
Ivy Bank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still at a large branch bank?
A typical branch-bank savings rate is 0.05% APY. On a $10,000 balance, the gap to these two banks is at least $380 a year in interest.
Both Ivy Bank and Pibank advertise far more than that typical branch-bank rate.
| Feature | Ivy Bank | Pibank |
|---|---|---|
| APY | 3.85% Observed: 9/4/2026 Stable over 90 days | 4.10% Observed: 9/4/2026 0.30%90-day change |
| Product Name | High-Yield Savings Account | Pibank Savings |
| Minimum Deposit | $2,500 | $0 |
| Min. Balance for APY | $2,500 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | Not reported | Not reported |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A- | A+ |
| Next Steps | Visit SiteVerify at Ivy Bank Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Ivy Bank | Pibank |
|---|---|---|
| High-Yield Savings Account | Pibank Savings | |
Current APY | 3.85% | 4.10% |
Trend | Stable | Stable |
Speed of change | -0.06 | -0.05 |
Days Since Change | 198 | 63 |
10-Month High | 4.25% | 4.60% |
10-Month Low | 3.85% | 4.10% |
Changes per month | 0.31 | 0.20 |
Steadiness | 0.024 | 0.019 |
How to read these metrics(Click to expand)
Trends and speed
- Trend: The general direction of the rate over the analyzed period. Useful for seeing whether a bank is raising its rate or letting it slip.
- Speed of change: How fast the rate moves. A high positive number means they raise rates quickly. A reading of 0.10 is a tenth of a percentage point each month.
- Changes per month: How often the rate moves. A high number means it changes constantly; a low number means it holds.
Risk & Range
- High/Low: The absolute ceiling and floor of the rate during the 295-day window.
- Steadiness: How far the rate swings around its average. A lower score means a steadier, more predictable rate.
- Days Since Change: A high number, for example above 90, means the rate rarely moves. A low number means it changed recently.
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High Rates (With Checking Bundle)
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More Comparisons
Compare Ivy Bank's APY of 3.85% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Ivy Bank vs Ally Bank | 3.00% | $0 |
| Ivy Bank vs American Express | 3.00% | $0 |
| Ivy Bank vs Axos Bank | 4.21% | $0 |
| Ivy Bank vs Barclays | 3.65% | $0 |
| Ivy Bank vs Capital One | 3.50% | $0 |
| Ivy Bank vs Chime | 3.75% | $0 |
| Ivy Bank vs CIT Bank | 3.75% | $100 |
| Ivy Bank vs EverBank | 3.90% | $0 |
| Ivy Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Ivy Bank vs Newtek Bank | 4.20% | $100 |
| Ivy Bank vs Openbank | 3.80% | $500 |
| Ivy Bank vs SoFi Bank | 4.00% | $0 |
| Ivy Bank vs Synchrony Bank | 3.30% | $0 |
| Ivy Bank vs Varo Bank | 3.75% | $0 |
| Ivy Bank vs Wealthfront | 3.95% | $0 |