PNC: Savings Accounts & Rates

Savings rates updated: 11/15/2025

Mission statement: Banksparency aims to make PNC's savings accounts transparent and comparable to those of other banks. .

Note: Interest rates below are reported as APY, or Annual Percentage Yield

We earn a commission if you open an account through some links on this page.

Savings Overview

PNC High Yield Savings: 3.53% APY(Rank 68 out of 86 tracked HYSAs)

Minimum Deposit: $0 | Eligible States: Limited (see below)

Standard Savings: 0.03% APY(Rank 98 out of 102 savings accounts)

Minimum Deposit: $0

National Savings Interest Rate: 0.4% (as of 10/20/2025)

Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.

(Source: FDIC)

Bank Overview

Location: Wilmington, Delaware

Founded: 1804

Access to Branches: Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI

Deposit Insurance: FDIC Cert # 6384

BBB Rating: A+ (Not BBB Accredited)

App Store Rating: 4.9/5

Google Play Rating: 4.6/5

Website: Visit PNC

Our Take on PNC

Highlights

High Yield Savings offers 3.53% APY, competitive for savers.
No maintenance fees for both savings accounts.
A+ BBB rating indicates strong trustworthiness.
App Store rating of 4.9 shows high customer satisfaction.

Considerations

High Yield Savings APY decreased from 3.85% in the last 30 days.
Eligibility for High Yield Savings is limited to select states.
Standard Savings APY is only 0.03%, much lower than High Yield.
No direct deposit requirement, but may limit some account features.

Summary: PNC offers two savings accounts, with the High Yield Savings account providing a competitive 3.53% APY, although it has decreased recently. The Standard Savings account has a much lower APY of 0.03%. Both accounts have no maintenance fees, and PNC has an A+ BBB rating, indicating reliability. The bank has multiple branches across various states and boasts high customer satisfaction ratings on both app platforms.

Savings Accounts: In-Depth View

Savings Accounts Offered by PNC

Feature	Standard Savings	PNC High Yield Savings
APY	0.03% (as of 11/15/2025)	3.53% (as of 11/15/2025)
APY Trend	Stable for the last quarter	-0.17% WoW/-0.32% MoM/-0.42% QoQ
Minimum Deposit	$0	$0
Minimum Balance for APY	$1	$0
FDIC-insured	Yes	Yes
Online Only	No	No
Bundled Account	No	No
Direct Deposit Required	No	No
Compound Frequency	Monthly	Monthly
Maintenance Fee	$0 / $5 (see bank for details)	$0
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
Note	APY may improve with a linked PNC account. Terms and conditions apply.	Eligibility restricted to select states.
Sponsored Link
No deposit agreement summary available for this bank.

Calculate Savings for PNC

All calculations are based on APY.

Choose savings account:

Initial Deposit:

Recurring Deposit Amount:

Deposit Frequency:

Duration:

Total savings breakdown:

Interest earned: $1,375.5 (8.95%)
Total contributions: $13,000 (84.55%)
Initial deposit: $1,000 (6.50%)

Your total balance

$15,375.50

Effective APY: 3.53% (based on your deposit and contributions)

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

PNC Savings Rates Over Time

Historical APY Insights

Metric	PNC High Yield Savings	Standard Savings
Latest APY	3.53 %	0.03 %
Trend	Sideways	Sideways
Slope (bps/mo)	-2.0	0.2
Rate Changes / Mo	0.35	0.12
Days Since Last Change	2	198
High (-8 m)	3.95 %	0.03 %
Low (-8 m)	3.53 %	0.01 %
Draw-down from High	-10.6 %	0.0 %
Volatility (CV)	0.020	0.330

APY Insights Glossary

Latest APY: Most recent advertised annual-percentage yield.
Trend: Direction over the last 8 months (regression slope).
Slope (bps/mo): Average monthly change; 10 bps = 0.10 pp.
Rate Changes / Mo: Typical number of APY moves per month.
Days Since Last Change: Recency of the latest APY adjustment.
High (-8 m): Highest APY in the last 256 days.
Low (-8 m): Lowest APY in the last 256 days.
Draw-down from High: How far today sits below the 8-month peak.
Volatility (CV): Coefficient of variation = stdev ÷ mean.

Why Track Savings-Account APYs?

See how quickly a bank reacts to Fed moves or competition.
Gauge “twitchiness” - frequent moves can annoy savers.
Spot if you're buying near a peak (draw-down) or riding a rise.
Slope (bps/mo) shows speed of change.
Volatility (CV) scales jumps by average level.

Compare PNC's Savings Accounts

Affirm - 3.60% APY
All America Bank - 1.50-3.25% APY
Ally Bank - 3.30% APY
Amalgamated Bank - 2.25% APY
American Express - 3.50% APY
Ameriprise Bank - 3.15-3.15% APY
Axos Bank - 4.51% APY
Bank5 Connect - 3.85% APY
Bank of America - 0.01% APY
Barclays - 3.90-4.10% APY
Bask Bank - 3.90% APY
Betterment - 3.50% APY
BMO Alto - 3.25% APY
Bread Savings - 4.20% APY
BrioDirect - 4.00% APY
Capital One - 3.40% APY
Carver Bank - 4.00% APY
Charles Schwab Bank - 0.15% APY
Chase Bank - 0.01% APY
Chime - 1.00-3.50% APY
CIBC Bank USA - 3.92% APY
CIT Bank - 0.25-3.85% APY
Citibank - 3.35% APY
Citizens Access™ - 3.35% APY
Colorado Federal Savings Bank - 4.05% APY
ConnectOne Bank - 3.60% APY
Customers Bank - 3.73% APY
Discover Bank - 3.40% APY
Elevault - 4.08% APY
E*TRADE from Morgan Stanley - 3.75% APY
EverBank - 4.05% APY
Evergreen Bank Group - 4.25% APY
First Foundation Bank - 4.00% APY
Fitness Bank - 4.75% APY
Flagstar Bank - 3.65% APY
FNBO Direct - 3.00% APY
Forbright Bank - 4.00% APY
FVCbank - 3.85% APY
GO2bank - 4.50% APY
High Plains Bank - 0.23-3.82% APY
Ivy Bank - 0.05-4.25% APY
Jenius Bank - 4.20% APY
LendingClub - 3.20-4.20% APY
Live Oak Bank - 3.90% APY
Marcus by Goldman Sachs - 3.65% APY
MutualOne Bank - 4.07% APY
My Banking Direct - 4.02% APY
MySavingsDirect - 3.75% APY
Neighbors Bank - 4.50% APY
Newtek Bank - 4.35% APY
Northeast Bank - 2.50-3.00% APY
OMB Bank - 1.00% APY
Openbank - 4.20% APY
Peak Bank - 4.20% APY
Pibank - 4.60% APY
Poppy Bank - 4.00% APY
Popular Direct - 4.00% APY
Presidential Bank - 3.75-4.25% APY
Prime Alliance Bank - 3.90% APY
Primis Bank - 3.85% APY
Quontic Bank - 3.75% APY
RBMAX - 3.90% APY
Rising Bank - 3.95% APY
ROGER - 3.87% APY
Salem Five Direct - 3.71% APY
Sallie Mae Bank - 3.90% APY
Santander Bank - 0.01% APY
SmartyPig - 3.90% APY
SoFi Bank - 4.30% APY
Synchrony Bank - 3.80% APY
TAB Bank - 3.80% APY
TD Bank - 0.05-2.75% APY
The State Exchange Bank - 3.96% APY
TIMBR - 4.40% APY
UFB Direct - 3.51-3.71% APY
Upgrade - 3.05% APY
Valley Direct - 4.10% APY
Varo Bank - 2.50-5.00% APY
Vio Bank - 4.21% APY
Wealthfront - 3.50-4.15% APY
Wells Fargo - 0.05-0.05% APY
Western Alliance Bank - 4.05% APY
Zynlo Bank - 4.20% APY

Feature	PNC	Select a bank...
Product		N/A
APY	3.53% (as of 11/15/2025)	N/A
Bundled Account	No	N/A
FDIC-insured	Yes	N/A
Online Only	No	N/A
Compound Frequency	Monthly	N/A
Minimum Deposit	$0	N/A
Minimum Balance for APY	$0	N/A
Maintenance Fee	$0	N/A
Direct Deposit Required	No	N/A
Eligibility	AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY	United States
Note	Eligibility restricted to select states.	N/A

Bank-to-Bank Comparisons

Compare PNC's APY of 3.53% with other banks

Bank Pair	Competitor APY	Min Deposit
PNC vs Ally Bank	3.30%	$0
PNC vs American Express	3.50%	$0
PNC vs Axos Bank	4.51%	$0
PNC vs Bank of America	0.01%	$100
PNC vs Barclays	4.10%	$0
PNC vs Bask Bank	3.90%	$0
PNC vs BMO Alto	3.25%	$0
PNC vs BrioDirect	4.00%	$5,000
PNC vs Capital One	3.40%	$0
PNC vs Chase Bank	0.01%	$0
PNC vs Chime	3.50%	$0
PNC vs CIT Bank	3.85%	$100
PNC vs Citibank	3.35%	$0
PNC vs Citizens Access™	3.35%	$0.01
PNC vs Discover Bank	3.40%	$0
PNC vs Elevault	4.08%	$0
PNC vs EverBank	4.05%	$0
PNC vs Fitness Bank	4.75%	$100
PNC vs FNBO Direct	3.00%	$1
PNC vs Forbright Bank	4.00%	$0
PNC vs FVCbank	3.85%	$500
PNC vs GO2bank	4.50%	$0
PNC vs Ivy Bank	4.25%	$2,500
PNC vs LendingClub	4.20%	$0
PNC vs Marcus by Goldman Sachs	3.65%	$0
PNC vs Neighbors Bank	4.50%	$0
PNC vs Newtek Bank	4.35%	$0.01
PNC vs Openbank	4.20%	$500
PNC vs Peak Bank	4.20%	$100
PNC vs Pibank	4.60%	$0
PNC vs Presidential Bank	4.25%	$5,000
PNC vs Quontic Bank	3.75%	$100
PNC vs Salem Five Direct	3.71%	$10
PNC vs Santander Bank	0.01%	$25
PNC vs SoFi Bank	4.30%	$0
PNC vs Synchrony Bank	3.80%	$0
PNC vs TIMBR	4.40%	$1,000
PNC vs UFB Direct	3.71%	$5000
PNC vs Valley Direct	4.10%	$1,000
PNC vs Varo Bank	5.00%	$0
PNC vs Vio Bank	4.21%	$100
PNC vs Wealthfront	4.15%	$0
PNC vs Wells Fargo	0.05%	$25
PNC vs Zynlo Bank	4.20%	$10

Alternatives to PNC

Banks with Higher/Similar Savings APY

For a top list of the highest savings rates, see all HYSA top rates

Capital One

360 Performance Savings: 3.40% APY

Minimum Deposit: $0

Citizens Access™

Citizens Access® Savings: 3.35% APY

Minimum Deposit: $0.01

Online Only

Jenius Bank

Jenius Savings: 4.20% APY

Minimum Deposit: $0

Online Only

MutualOne Bank

Mo Premium Savings: 4.07% APY

Minimum Deposit: $20,000

Online Savings: 0.40% APY

Minimum Deposit: $5,000

Online Only

High Plains Bank

High Yield Savings Account: 3.82% APY

Minimum Deposit: $25

Peak Bank

Envision High Yield Savings: 4.20% APY

Minimum Deposit: $100

Online Only

SoFi Bank

SoFi Savings: 4.30% APY

Bundled Savings & Checking Account

Minimum Deposit: $0

Online Only

Pibank

Pibank Savings: 4.60% APY

Minimum Deposit: $0

Online Only

Bread Savings

High-Yield Savings Account: 4.20% APY

Minimum Deposit: $100

Online Only

Valley Direct

High-Yield Savings Account: 4.10% APY

Minimum Deposit: $1,000

Online Only

Eligible States: Limited (see details)

American Express

High Yield Savings Account: 3.50% APY

Minimum Deposit: $0

Online Only

CIT Bank

Platinum Savings: 3.85% APY

Minimum Deposit: $100

Online Only

Savings Connect: 3.75% APY

Minimum Deposit: $100

Online Only