PNC

Last Updated: 7/1/2025

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

Quick Views

PNC High Yield Savings: 3.95% APY(Rank 52 out of 76 tracked HYSAs)

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

Standard Savings: 0.03% APY(Rank 85 out of 88 savings accounts)

Minimum Deposit: $0

National Savings Interest Rate: 0.38% (as of 6/16/2025)

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

(Source: FDIC)

Bank Overview

BBB Rating: A+

App Store Rating: 4.9/5

Google Play Rating: 4.5/5

Website: Visit PNC

Our Take on PNC

Highlights

  • High Yield Savings offers 3.95% APY, significantly higher than Standard Savings' 0.03%.
  • A+ BBB rating indicates strong trustworthiness.
  • Mobile app rated 4.9 on App Store, 4.5 on Google Play.
  • No maintenance fees for both savings accounts.

Considerations

  • High Yield Savings account has eligibility restrictions.
  • Standard Savings offers very low APY of 0.03%.
  • Both accounts have no direct deposit requirement.
  • Branches count is not specified.
Summary: PNC offers a competitive high-yield savings option at 3.95% APY, but eligibility restrictions apply. The Standard Savings account has a low APY of 0.03%. PNC holds an A+ BBB rating and has a strong mobile app presence, with ratings of 4.9 and 4.5 on App Store and Google Play, respectively. However, the lack of specified branch locations may be a drawback for some customers.

Savings Accounts

Savings Accounts Offered by PNC

FeatureStandard SavingsPNC High Yield Savings
APY
0.03% (as of 7/1/2025)3.95% (as of 7/1/2025)
APY TrendStable for the last monthStable for the last month
Minimum Deposit$0$0
Minimum Balance for APY$1$0
FDIC-insured
YesYes
Online OnlyNoNo
Bundled Account
NoNo
Direct Deposit Required
NoNo
Compound Frequency
MonthlyMonthly
Maintenance Fee$0 / $5 (see bank for details)$0
EligibilityUnited StatesAK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY
NoteAPY may improve with a linked PNC account. Terms and conditions apply.Eligibility restricted.

No deposit agreement summary available for this bank.

Calculate Savings for PNC

All calculations are based on APY.
Deposit Frequency:

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

MetricPNC High Yield SavingsStandard Savings
Latest APY3.95 %0.03 %
TrendSidewaysSideways
Slope (bps/mo)-0.00.7
Rate Changes / Mo0.000.25
Days Since Last Change11861
High (-4 m)3.95 %0.03 %
Low (-4 m)3.95 %0.01 %
Draw-down from High0.0 %0.0 %
Volatility (CV)0.0000.503
APY Insights Glossary
Latest APY
Most recent advertised annual-percentage yield.
Trend
Direction over the last 4 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 (-4 m)
Highest APY in the last 119 days.
Low (-4 m)
Lowest APY in the last 119 days.
Draw-down from High
How far today sits below the 4-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 - 3.85% APY
  • All America Bank - 1.50-3.25% APY
  • Ally Bank - 3.50% APY
  • Amalgamated Bank - 2.25% APY
  • American Express - 3.60% APY
  • Axos Bank - 4.66% APY
  • Bank5 Connect - 4.05% APY
  • Bank of America - 0.01% APY
  • Barclays - 3.90-4.10% APY
  • Bask Bank - 4.20% APY
  • Betterment - 4.00% APY
  • BMO Alto - 3.60% APY
  • Bread Savings - 4.30% APY
  • BrioDirect - 4.30% APY
  • Capital One - 3.50% APY
  • Carver Bank - 4.00% APY
  • Charles Schwab Bank - 0.15% APY
  • Chase Bank - 0.01% APY
  • Chime - 1.25-3.75% APY
  • CIBC Bank USA - 4.11% APY
  • CIT Bank - 0.25-4.00% APY
  • Citibank - 3.60% 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 - 3.50% APY
  • E*TRADE from Morgan Stanley - 4.00% APY
  • EverBank - 4.30% APY
  • Evergreen Bank Group - 4.25% APY
  • First Foundation Bank - 4.25% APY
  • Fitness Bank - 5.00% APY
  • Flagstar Bank - 4.00% APY
  • Forbright Bank - 4.25% APY
  • FVCbank - 4.35% APY
  • High Plains Bank - 0.23-3.82% APY
  • Jenius Bank - 4.20% APY
  • LendingClub - 3.40-4.40% APY
  • Live Oak Bank - 4.10% APY
  • Marcus by Goldman Sachs - 3.65% APY
  • My Banking Direct - 4.30% APY
  • MySavingsDirect - 3.75% APY
  • Neighbors Bank - 4.60% APY
  • Newtek Bank - 4.35% APY
  • OMB Bank - 1.00% APY
  • Openbank - 4.30% APY
  • Peak Bank - 4.44% APY
  • Pibank - 4.60% APY
  • Poppy Bank - 4.25% APY
  • Popular Direct - 4.05% APY
  • Presidential Bank - 4.00-4.50% APY
  • Prime Alliance Bank - 4.05% APY
  • Primis Bank - 4.35% APY
  • Quontic Bank - 3.75% APY
  • RBMAX - 4.15% APY
  • Rising Bank - 4.30% APY
  • ROGER - 4.65% 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 - 3.80% APY
  • TAB Bank - 4.15% APY
  • TD Bank - 0.05-3.00% APY
  • The State Exchange Bank - 1.90% APY
  • TIMBR - 4.40% APY
  • UFB Direct - 4.01-4.21% APY
  • Upgrade - 4.02% APY
  • Valley Direct - 4.20% APY
  • Varo Bank - 2.50-5.00% APY
  • Western Alliance Bank - 4.30% APY
  • Zynlo Bank - 4.35% APY
FeaturePNCSelect a bank...
ProductN/A
APY
3.95% (as of 7/1/2025)N/A
Bundled Account
NoN/A
FDIC-insured
YesN/A
Online OnlyNoN/A
Compound Frequency
MonthlyN/A
Minimum Deposit$0N/A
Minimum Balance for APY$0N/A
Maintenance Fee$0N/A
Direct Deposit Required
NoN/A
EligibilityAK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WYUnited States
NoteEligibility restricted.N/A