PNC

Last Updated: 4/1/2025

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

Quick Views

PNC High Yield Savings: 3.95% APY(Rank 55 out of 75 HYSAs)

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

Standard Savings: 0.01% APY(Rank 88 out of 88 savings accounts)

Minimum Deposit: $0

National Savings Interest Rate: 0.41% (as of 3/17/2025)

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

(Source: FDIC)

Bank Overview

App Store Rating: 4.9/5

Google Play Rating: 4.5/5

Website: Visit PNC

Savings Accounts

Savings Accounts Offered by PNC

Feature	PNC High Yield Savings	Standard Savings
APY	3.95% (as of 4/1/2025)	0.01% (as of 4/1/2025)
APY Trend	Stable	Stable
Minimum Deposit	$0	$0
Minimum Balance for APY	$0	$1
FDIC-insured	Yes	Yes
Online Only	No	No
Bundled Account	No	No
Direct Deposit Required	No	No
Compound Frequency	Monthly	Monthly
Maintenance Fee	$0	$0 / $5 (see bank for details)
Eligibility	Available online in the following states: AK, AR, CT, HI, ID, IA, KS, LA, ME, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY. Available online and in a PNC Solution Centers in MA, MN, TN and in the greater Kansas City area in MO	United States
Note	Eligibility restricted.	APY may improve with a linked PNC account. Terms and conditions apply.
No deposit agreement summary available for this bank.

Calculate Savings for PNC

All calculations are based on APY.

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Total savings breakdown:

Interest earned: $4 (3.85%)
Total contributions: $0 (0.00%)
Initial deposit: $100 (96.15%)

Your total balance

$104.00

Effective APY: 3.95% (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	Standard Savings	PNC High Yield Savings
Highest APY	0.01%	3.95%
Lowest APY	0.01%	3.95%
Latest APY	0.01%	3.95%
Trend	Stable	Stable
Volatility	0.00%	0.00%

Compare PNC's Savings Accounts

Affirm - 3.85% APY
All America Bank - 1.50-3.49% APY
Ally Bank - 3.60% APY
Amalgamated Bank - 2.25% APY
American Express - 3.70% APY
Axos Bank - 4.66% APY
Bank5 Connect - 4.15% APY
Bank of America - 0.01% APY
Barclays - 4.15-4.40% APY
Bask Bank - 4.35% APY
Betterment - 4.00% APY
BMO Alto - 3.70% APY
Bread Savings - 4.40% APY
BrioDirect - 4.50% APY
Capital One - 3.70% APY
Carver Bank - 4.00% APY
Charles Schwab Bank - 0.15% APY
Chase Bank - 0.01% APY
Chime - 2.00-3.75% APY
CIBC Bank USA - 4.21% APY
CIT Bank - 0.25-4.10% APY
Citibank - 3.70% APY
Citizens Access™ - 3.70% APY
Colorado Federal Savings Bank - 4.25% APY
ConnectOne Bank - 4.00% APY
Customers Bank - 4.23% APY
Discover Bank - 3.70% APY
E*TRADE from Morgan Stanley - 4.00% APY
EverBank - 4.30% APY
Evergreen Bank Group - 4.25% APY
First Foundation Bank - 4.40% APY
Fitness Bank - 5.00% APY
Flagstar Bank - 4.20% APY
Forbright Bank - 4.25% APY
FVCbank - 4.55% APY
High Plains Bank - 0.23-3.82% APY
Jenius Bank - 4.20% APY
LendingClub - 3.40-4.40% APY
Live Oak Bank - 4.20% APY
Marcus by Goldman Sachs - 3.75% APY
My Banking Direct - 4.40% APY
MySavingsDirect - 4.10% APY
Neighbors Bank - 4.60% APY
Newtek Bank - 4.45% APY
OMB Bank - 4.56% APY
Openbank - 4.40% APY
Peak Bank - 4.54% APY
Pibank - 4.60% APY
Poppy Bank - 4.50% APY
Popular Direct - 4.05% APY
Presidential Bank - 4.00-4.50% APY
Prime Alliance Bank - 4.15% APY
Primis Bank - 4.35% APY
Quontic Bank - 3.85% APY
RBMAX - 4.15% APY
Rising Bank - 4.40% APY
ROGER - 5.00% APY
Salem Five Direct - 4.01% APY
Sallie Mae Bank - 3.90% APY
Santander Bank - 0.03% APY
SoFi Bank - 3.80% APY
Synchrony Bank - 4.00% APY
TAB Bank - 4.26% APY
TD Bank - 0.05-3.51% APY
The State Exchange Bank - 1.90% APY
TIMBR - 4.55% APY
UFB Direct - 4.01-4.21% APY
Upgrade - 4.02% APY
Valley Direct - 4.25% APY
Varo Bank - 2.50-5.00% APY
Western Alliance Bank - 4.25% APY
Zynlo Bank - 4.35% APY

Feature	PNC	Select a bank...
Product		N/A
APY	3.95% (as of 4/1/2025)	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	Available online in the following states: AK, AR, CT, HI, ID, IA, KS, LA, ME, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY. Available online and in a PNC Solution Centers in MA, MN, TN and in the greater Kansas City area in MO	United States
Note	Eligibility restricted.	N/A

PNC vs. Major Banks: Savings Accounts

Click on the items below to view the comparisons

PNC vs. Bank of America

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Feature	PNC		Bank of America
Feature	PNC High Yield Savings	Standard Savings	Advantage Savings
APY	3.95% APY) (as of 4/1/2025)	0.01% APY) (as of 4/1/2025)	0.01% APY (as of 4/1/2025)
Bundled Account	No	No	No
FDIC-insured	Yes	Yes	Yes
Online Only	No	No	No
Compound Frequency	Monthly	Monthly	Monthly
Minimum Deposit	$0	$0	$100
Minimum Balance for APY	$0	$1	N/A
Maintenance Fee	$0	$0 / $5 (see bank for details)	$8
Direct Deposit Required	No	No	No
Eligibility	Available online in the following states: AK, AR, CT, HI, ID, IA, KS, LA, ME, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY. Available online and in a PNC Solution Centers in MA, MN, TN and in the greater Kansas City area in MO	United States	United States
Note	Eligibility restricted.	APY may improve with a linked PNC account. Terms and conditions apply.	APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc.

PNC vs. Citibank

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Feature	PNC		Citibank
Feature	PNC High Yield Savings	Standard Savings	Citi® Savings Account	Citi Accelerate Savings
APY	3.95% APY) (as of 4/1/2025)	0.01% APY) (as of 4/1/2025)	0.03% APY (as of 4/1/2025)	3.70% APY
Bundled Account	No	No	No	No
FDIC-insured	Yes	Yes	Yes	Yes
Online Only	No	No	No	Yes
Compound Frequency	Monthly	Monthly	Daily	Daily
Minimum Deposit	$0	$0	$0	$0
Minimum Balance for APY	$0	$1	$0.01	$0.01
Maintenance Fee	$0	$0 / $5 (see bank for details)	$4.50. Waived for average monthly balances > $500	$4.50. Waived for average monthly balances > $500
Direct Deposit Required	No	No	No	No
Eligibility	Available online in the following states: AK, AR, CT, HI, ID, IA, KS, LA, ME, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY. Available online and in a PNC Solution Centers in MA, MN, TN and in the greater Kansas City area in MO	United States	California, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia (partial), Washington D.C., and select parts of Florida and Illinois. In addition, promotional rates may be available if requirements are met.	Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming.
Note	Eligibility restricted.	APY may improve with a linked PNC account. Terms and conditions apply.	N/A	N/A

PNC vs. Chase Bank

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Feature	PNC		Chase Bank
Feature	PNC High Yield Savings	Standard Savings	Chase Savings℠
APY	3.95% APY) (as of 4/1/2025)	0.01% APY) (as of 4/1/2025)	0.01% APY (as of 4/1/2025)
Bundled Account	No	No	No
FDIC-insured	Yes	Yes	Yes
Online Only	No	No	No
Compound Frequency	Monthly	Monthly	Monthly
Minimum Deposit	$0	$0	$0
Minimum Balance for APY	$0	$1	$0
Maintenance Fee	$0	$0 / $5 (see bank for details)	$5
Direct Deposit Required	No	No	No
Eligibility	Available online in the following states: AK, AR, CT, HI, ID, IA, KS, LA, ME, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY. Available online and in a PNC Solution Centers in MA, MN, TN and in the greater Kansas City area in MO	United States	United States
Note	Eligibility restricted.	APY may improve with a linked PNC account. Terms and conditions apply.	APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc.

PNC vs. Capital One

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Feature	PNC		Capital One
Feature	PNC High Yield Savings	Standard Savings	360 Performance Savings
APY	3.95% APY) (as of 4/1/2025)	0.01% APY) (as of 4/1/2025)	3.70% APY (as of 4/1/2025)
Bundled Account	No	No	No
FDIC-insured	Yes	Yes	Yes
Online Only	No	No	No
Compound Frequency	Monthly	Monthly	Daily
Minimum Deposit	$0	$0	$0
Minimum Balance for APY	$0	$1	$0
Maintenance Fee	$0	$0 / $5 (see bank for details)	$0
Direct Deposit Required	No	No	No
Eligibility	Available online in the following states: AK, AR, CT, HI, ID, IA, KS, LA, ME, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY. Available online and in a PNC Solution Centers in MA, MN, TN and in the greater Kansas City area in MO	United States	United States
Note	Eligibility restricted.	APY may improve with a linked PNC account. Terms and conditions apply.	N/A