PNC: Savings Accounts & Rates

By Aviel Fahl

Updated: 2/21/2026

Mission: Banksparency aims to make PNC's savings accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of PNC

Our verdict

PNC offers PNC High Yield Savings, a high-yield savings account paying 3.30% APY with no minimum deposit.

At 3.30% APY, PNC pays 8x the national average (0.39%). Ranks in the top tier of 99+ accounts tracked.

PNC also offers Standard Savings at 0.03% APY — a lower rate.

Ideal User Profile

Best for: simple saving without extra requirements, quick transfers with Zelle, and having a branch nearby when you need one.

Key Differentiators

Stands out with top-rated iOS app (4.9), highly-rated Android app (4.6), A+ BBB rating, in-person banking available, Zelle for instant transfers.

Savings Overview

PNC High Yield Savings

3.30% APY

Rate Adjusted

-0.23%

Since 90 days ago

No Minimums Branch Access

Rank #71 of 99 tracked.

Eligibility restricted to select states.

Standard Savings

0.03% APY

Very StableNo rate changes in last 90 days

No Minimums Branch Access

Rank #99 of 99 tracked.

APY may improve with a linked PNC account. Terms and conditions apply.

Market Reality Check

This bank offers rates below the current top tier. The best rates we track are currently above 4.15% APY.

See Top Rates

National Avg: 0.39% (FDIC, 1/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationWilmington, Delaware
Founded1804
Ratings & Trust
4.9iOS 4.6Android A+BBB Not BBB Accredited
Zelle® SupportAvailable
Daily Limit: $2,000Central to Virtual Wallet suite.
Deposit InsuranceFDIC Insured(Cert: 6384)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$0
Min. Balance in Savings Account	$0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.6

The 4.21% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

PREMIUM ACCOUNT, GENEROUS BONUS

SponsoredVerified Feb 21, 2026

FDIC Insured

CIT Bank - Platinum Savings

Competitive APY - with a balance of $5,000+
Earn up to $300 bonus with qualifying deposit
Highly rated mobile apps

FDIC Insured

Savings3.75%APY

Up to$300Bonus

Go to CIT Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$5,000
Mobile Ratings	iOS:4.8 Android:4.7

This is a tiered savings account, where the 3.75% APY requires meeting the $5,000 balance requirement. Lower balances earn an APY of 0.25%.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Feb 21, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.50%APY

Go to Quontic Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$0
Mobile Ratings	iOS:4.8 Android:4.8

Top Market Contenders

Axos Bank

4.21% APY

vs. PNC

Barclays

3.85% APY

vs. PNC

EverBank

3.90% APY

vs. PNC

Popular Peer Comparisons

Barclays vs Capital One Axos Bank vs SoFi Bank Capital One vs SoFi Bank American Express vs Marcus by Goldman Sachs Ally Bank vs American Express Chase Bank vs SoFi Bank

Savings Accounts: In-Depth View

Savings Accounts Offered by PNC

Feature	Standard Savings	PNC High Yield Savings
APY	0.03%Verified: 2/21/2026	3.30%Verified: 2/21/2026
APY Trend	Very StableNo rate changes in last 90 days	Rate Adjusted -0.23% Since 90 days ago
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

All calculations are based on APY.

Choose savings account

Initial Deposit

Recurring Deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$1,282.10(8.4%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$15,282.10

Effective APY

3.30%

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 12 Months

Metric	PNC High Yield Savings	Standard Savings
Latest APY	3.30%	0.03%
Trend	Falling	Sideways
Slope (bps/mo)	-6.8	0.1
Rate Changes / Mo	0.34	0.08
Days Since Last Change	66	296
High (-12m)	3.95%	0.03%
Low (-12m)	3.30%	0.01%
Draw-down	-16.5%	0.0%
Volatility (CV)	0.073	0.264

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 354-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: 2/21/2026	-
APY Trend	Rate Adjusted -0.23% Since 90 days ago	-
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

Bank Pair	Competitor APY	Min Deposit
PNC vs Ally Bank	3.20%	$0
PNC vs American Express	3.30%	$0
PNC vs Axos Bank	4.21%	$0
PNC vs Bank of America	0.01%	$100
PNC vs Barclays	3.85%	$0
PNC vs Capital One	3.30%	$0
PNC vs Chase Bank	0.01%	$0
PNC vs Chime	3.00%	$0
PNC vs CIT Bank	3.75%	$100
PNC vs Citibank	3.20%	$0
PNC vs Discover Bank	3.30%	$0
PNC vs EverBank	3.90%	$0
PNC vs Marcus by Goldman Sachs	3.65%	$0
PNC vs Newtek Bank	4.20%	$0.01
PNC vs Openbank	4.09%	$500
PNC vs Pibank	4.60%	$0
PNC vs SoFi Bank	4.00%	$0
PNC vs Synchrony Bank	3.50%	$0
PNC vs Varo Bank	5.00%	$0
PNC vs Wealthfront	3.95%	$0
PNC vs Wells Fargo	0.05%	$25