Pibank vs. UFB Direct
Pibank's Pibank Savings pays 4.10% APY while UFB Direct's UFB Checking and Savings Bundle pays 3.46% APY.
Note: UFB Direct's UFB Checking and Savings Bundle also needs a checking account.
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 $64 more than UFB Direct annually ($410 vs $346).
Choose Pibank if getting the best rate matters most, or you want a no-strings-attached account. Choose UFB Direct if mobile app quality matters.
Important Considerations
UFB Direct's UFB Checking and Savings Bundle pays its top rate only if you also open a checking account with UFB Direct, while Pibank's Pibank Savings stands alone.
| Metric | PibankPibank Savings Sep 11, 2026 | UFB DirectUFB Checking and Savings Bundle Sep 11, 2026 |
|---|---|---|
| APY | 4.10% | 3.46% |
Earns in a year | $5,000+$205 $10,000+$410 $25,000+$1,025 | $5,000+$0 $10,000+$346 $25,000+$865 |
Min. Deposit | $0 | $5,000 |
Snapshot view. Rates subject to change. | ||
Terms | - | The regular savings or money market APY may be boosted by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account also earns interest. See bank for full details. |
| Features | FDIC InsuredNo MinimumsDaily CompoundingStable Rate | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDirect Deposit ReqChecking BundleDaily CompoundingRate Changes Often |
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.
Comparison Analysis
Comparing Pibank vs. UFB Direct
Executive Summary
Pibank offers a competitive high-yield savings account, the Pibank Savings, with an APY of 4.10%. This account has no minimum deposit, no maintenance fees, and does not require direct deposit, making it a straightforward choice for savers. In contrast, UFB Direct's highest yielding product, the UFB Portfolio Savings, provides an APY of 3.26%, which is significantly lower than Pibank's offering. UFB Direct does not require a checking account for its savings account, but it has a bundled option that may yield higher returns with specific conditions. Overall, Pibank is the clear winner in terms of APY.
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 (4.10% vs 3.26%-3.46%) on all balances
Why UFB Direct?
- Offers an interest-bearing checking account in addition to the savings APY
- Access to over 90,000 fee-free ATMs
- Higher rated iOS app (4.8 vs 2.1)
- Higher rated Android app (4.3 vs 1.8)
- Offers 2 different high-yield savings options
Key Feature Differences
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $410 vs $346/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1025 vs $865/yr).
Better for Simplicity
PibankPibank's Pibank Savings offers 4.10% APY with no bundling, direct deposit requirement or caps.
Better Mobile App Experience
UFB DirectUFB Direct offers an iOS app rated 4.8 (vs. 2.1) and Android app rated 4.3 (vs. 1.8)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $64 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.
*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. UFB Direct Savings Calculator
You earn $64 more with Pibank than UFB 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+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
UFB Direct
UFB Checking and Savings Bundle
Savings Breakdown
- Interest Earned+$346.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,346.00
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 $341 a year in interest.
Both Pibank and UFB Direct advertise far more than that typical branch-bank rate.
| Feature | Pibank | UFB Direct |
|---|---|---|
| APY | 4.10% Observed: 9/11/2026 0.30%90-day change | 3.46% Observed: 9/11/2026 Stable over 90 days |
| Product Name | Pibank Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $0 | $5,000 |
| Min. Balance for APY | $0.01 | $10,000 |
| 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 | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | - | The regular savings or money market APY may be boosted by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account also earns interest. See bank for full details. |
| Next Steps | Visit SiteVerify at Pibank Non-sponsored link to official site | Visit SiteVerify at UFB Direct Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Pibank | UFB Direct | |
|---|---|---|---|
| Pibank Savings | UFB Portfolio Savings | UFB Checking and Savings Bundle | |
Current APY | 4.10% | 3.26% | 3.46% |
Trend | Stable | Stable | Stable |
Speed of change | -0.03 | -0.10 | -0.11 |
Days Since Change | 70 | 248 | 248 |
12-Month High | 4.60% | 4.01% | 4.21% |
12-Month Low | 4.10% | 3.26% | 3.46% |
Changes per month | 0.16 | 0.41 | 0.41 |
Steadiness | 0.014 | 0.058 | 0.054 |
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 364-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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More Comparisons
Compare Pibank's APY of 4.10% with other banks
Compare UFB Direct's APY of 3.46% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| UFB Direct vs Ally Bank | 3.00% | $0 |
| UFB Direct vs American Express | 3.00% | $0 |
| UFB Direct vs Axos Bank | 4.21% | $0 |
| UFB Direct vs Barclays | 3.65% | $0 |
| UFB Direct vs Capital One | 3.50% | $0 |
| UFB Direct vs Chime | 3.75% | $0 |
| UFB Direct vs CIT Bank | 3.75% | $100 |
| UFB Direct vs EverBank | 3.90% | $0 |
| UFB Direct vs Marcus by Goldman Sachs | 3.40% | $0 |
| UFB Direct vs Newtek Bank | 4.20% | $100 |
| UFB Direct vs Openbank | 3.80% | $500 |
| UFB Direct vs SoFi Bank | 4.00% | $0 |
| UFB Direct vs Synchrony Bank | 3.30% | $0 |
| UFB Direct vs Varo Bank | 3.75% | $0 |
| UFB Direct vs Wealthfront | 3.95% | $0 |