Pibank (Intercredit Bank, N.A.)
Pibank (Intercredit Bank, N.A.) Pibank Savings
By Alex Compton · Last verified
The current national rate leader, from a Miami bank going all-in on digital
Insurance: FDIC insured up to $250,000 through Intercredit Bank, N.A.
Features
- ▸4.10% flat APY — still among the top nationally available savings rates
- ▸Held 4.60% for over a year before stepping down to 4.40% (Apr 2026) and 4.10% (Jul 2026)
- ▸No minimums, no fees, no activity hurdles, no caps
- ▸Intercredit Bank is converting fully to the branchless Pibank model by late summer 2026
- ▸Deliberately simple app: one savings account, one linked external account
- ▸Backed by the international Pichincha banking group via Intercredit
Pros
- +Highest headline rate in the country with zero gimmicks
- +Rate-stability record is unusually good for a rate leader
- +Real FDIC-chartered bank, not a fintech middleware layer
Cons
- −Bare-bones platform: one linked account, minimal support, few account options
- −Small bank mid-transformation to digital-only adds operational uncertainty
- −ACH-only liquidity with reported multi-day transfer times
Our Take
Pibank is what rate leadership looks like when a small bank decides deposits are its whole growth strategy: 4.10% flat, no asterisks. The platform is genuinely minimal — treat it as a vault, not a bank. Keep your operating cash elsewhere, stay under the FDIC cap, and enjoy the best clean rate in America while the digital transition plays out.
Best for: Pure rate maximizers comfortable with a minimalist single-purpose vault
Open at Pibank (Intercredit Bank, N.A.) →Last verified 2026-07-26
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