EverBank Performance Savings vs Pibank (Intercredit Bank, N.A.) Pibank Savings

Pibank pays 4.40%, the top nationally available savings rate as of mid-2026, against EverBank's 3.90%. Half a point on every dollar is real money at any balance.

Pibank held its prior 4.60% for over a year before a modest 20 basis point trim in April 2026, an unusually good record for a rate leader. EverBank has its own history of holding top-tier rates without teaser games or rename tricks. Neither has played the decay game that punishes loyal savers.

EverBank is a full bank: checking, money market with check writing, and CDs sit under the same roof. Pibank is deliberately minimal, with one savings account and a single linked external account.

Pibank is ACH-only to one linked account, with reported multi-day transfer times. EverBank's checking and money market siblings give you same-institution transfers and ATM access when you need money moving.

Neither charges a monthly fee, and neither requires a minimum balance or activity to earn the full rate.

EverBank is a Florida-based chartered bank with decades of history, formerly TIAA Bank. Pibank is the digital brand of Intercredit Bank, N.A., a small Miami bank mid-transformation to branchless banking, backed by the international Pichincha group. Both are FDIC insured to $250,000.

Is EverBank Performance Savings or Pibank (Intercredit Bank, N.A.) Pibank Savings better?

Pick Pibank if you want the best clean rate in America and can treat the account as a vault: money goes in, earns 4.40%, and comes out through one linked account with a little patience. Pick EverBank if the savings account is the anchor of your banking rather than a satellite, because 3.90% from a full-service chartered bank with no hurdles is the strongest set-and-forget offer on the market. Rate maximizers hold both and let EverBank be the operating layer.

Does EverBank or Pibank (Intercredit Bank, N.A.) charge a monthly fee?

EverBank Performance Savings: $0. Pibank (Intercredit Bank, N.A.) Pibank Savings: $0.

Which earns a higher APY, EverBank or Pibank (Intercredit Bank, N.A.)?

EverBank Performance Savings pays 3.90% (as of June 2026) APY. Pibank (Intercredit Bank, N.A.) Pibank Savings pays 4.40% (as of June 2026, trimmed from 4.60% in April 2026) APY.

Which is better for rate?

Pibank (Intercredit Bank, N.A.). Pibank pays 4.40%, the top nationally available savings rate as of mid-2026, against EverBank's 3.90%. Half a point on every dollar is real money at any balance.

What bank has the highest savings interest rate right now?

Pibank pays 4.40%, the highest nationally available savings rate as of mid-2026, with no minimums, fees, caps, or activity hurdles. It trimmed the rate from 4.60% in April 2026 after holding it for over a year.

Is Pibank legit and safe?

Yes. Pibank is the digital brand of Intercredit Bank, N.A., an FDIC-chartered Miami bank backed by the international Pichincha banking group, and deposits are FDIC insured up to $250,000. The platform is deliberately minimal, so treat it as a vault rather than a primary bank.

Is EverBank the same as TIAA Bank?

Yes. EverBank became TIAA Bank after its 2017 acquisition, then returned to the EverBank name in 2023. It is the same Florida-based chartered bank, now paying 3.90% on Performance Savings with no minimums or caps.