PNC: Savings Accounts & Rates
Mission: Banksparency aims to make PNC's savings accounts transparent and comparable to the market.
Savings Overview
PNC High Yield Savings
Standard Savings
Market Reality Check
This bank offers rates below the current top tier. The best rates we track are currently above 4.21% APY.
Bank Overview
- HQ LocationWilmington, Delaware
- Founded1804
- Ratings & Trust
- Zelle® SupportAvailableDaily Limit: $2,000Central to Virtual Wallet suite.
- Deposit InsuranceFDIC Insured(Cert: 6384)
Our Take on PNC
The Good
- Decent APY of 3.30%
- No minimum deposit or balance requirements
- No monthly maintenance fees
- Highly rated mobile apps (iOS: 4.9, Android: 4.6)
- Access to physical branches
Considerations
- Yield is below current market leaders
The PNC High Yield Savings account offers a competitive APY of 3.30%, with no minimum deposit or balance requirements and no monthly maintenance fees. Additionally, customers can benefit from highly rated mobile apps and access to physical branches. However, eligibility is restricted to select states, and the yield is below that of current market leaders. There are no requirements for direct deposit, checking accounts, or promotional conditions.
Top Market Contenders
Savings Accounts: In-Depth View
Savings Accounts Offered by PNC
| Feature | Standard Savings | PNC High Yield Savings |
|---|---|---|
APY | 0.03%Verified: 1/7/2026 | 3.30%Verified: 1/7/2026 |
APY Trend | Very StableNo rate changes in last 90 days | 30 days ↘︎ 0.23% 90 days ↘︎ 0.55% |
Min. Deposit | $0 | $0 |
Min. Balance | $1 | $0 |
Monthly Fee | $0 / $5 (see bank for details) | $0 |
Direct Deposit | None | None |
Checking Bundle | No | No |
Branch Access | Yes | Yes |
Compounding | Monthly | Monthly |
FDIC Insured | Yes | Yes |
Eligibility | United States | AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY |
Important | APY may improve with a linked PNC account. Terms and conditions apply. | Eligibility restricted to select states. |
| Next Steps | - | - |
Calculate Savings for PNC
Savings Breakdown
- Interest Earned+$1,282.10(8.4%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,282.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
PNC Savings Rates Over Time
Historical APY Insights
Last 10 Months| Metric | PNC High Yield Savings | Standard Savings |
|---|---|---|
Latest APY | 3.30% | 0.03% |
Trend | Falling | Sideways |
Slope (bps/mo) | -5.6 | 0.2 |
Rate Changes / Mo | 0.39 | 0.10 |
Days Since Last Change | 21 | 251 |
High (-10m) | 3.95% | 0.03% |
Low (-10m) | 3.30% | 0.01% |
Draw-down | -16.5% | 0.0% |
Volatility (CV) | 0.057 | 0.289 |
How to read these metrics▼
Trends & Velocity
- Trend
- The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
- Slope (bps/mo)
- Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
- Rate Changes / Mo
- "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.
Risk & Range
- High/Low
- The absolute ceiling and floor of the rate during the 309-day window.
- Volatility Score
- Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
- Days Since Change
- If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.
Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.
Compare with PNC
| Feature | Current View PNC | Empty Slot |
|---|---|---|
| Product | - | |
APY | 3.30%Verified: 1/7/2026 | - |
APY Trend | 30 days ↘︎ 0.23% 90 days ↘︎ 0.55% | - |
| Min. Deposit | $0 | - |
| Monthly Fee | $0 | - |
Direct Deposit | No | - |
Checking Bundle | No | - |
| Branch Access | Yes | - |
| Eligibility | AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY | - |
Compounding | Monthly | - |
FDIC Insured | Yes | - |
| Note | Eligibility restricted to select states. | - |
| Next Steps | - | - |
Bank-to-Bank Comparisons
Compare PNC's APY of 3.30% with other banks
Alternatives to PNC
Banks with Higher/Similar Savings APY
For a top list of the highest savings rates, see all HYSA top rates
Zynlo Bank
Tomorrow Savings Account: 3.85% APY
Minimum Deposit: $10
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Axos ONE: 4.31% APY
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Minimum Deposit: $0
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Vio Bank
Online Savings Account: 4.09% APY
Minimum Deposit: $100
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Peak Bank
Envision High Yield Savings: 3.99% APY
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Varo Bank
High-Yield Savings Account: 5.00% APY
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Minimum Deposit: $0
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Direct Deposit: Min. $1,000/month
Bask Bank
Interest Savings Account: 3.75% APY
Minimum Deposit: $0
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Neighbors Bank
Neighbors Savings Account: 4.30% APY
Minimum Deposit: $0
Eligible States: Limited (see details)