Affirm vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
Affirm
Affirm Money Account
3.60%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Affirm
Affirm Money Account
PNC
PNC High Yield Savings
3.53%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
PNC
PNC High Yield Savings
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Affirm vs. PNC Savings Calculator
Affirm earns $44.6 more than PNC.
Affirm
Affirm Money Account
Savings Breakdown
- Interest Earned+$2,177.80(10.8%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,177.80
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$2,133.20(10.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,133.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Affirm vs. PNC
Why Affirm?
- ✓Available Nationwide
Why PNC?
- ✓Physical branch access (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)
Shared Benefits
Over a 1-year period, Affirm's Affirm Money Account pays $7 more interest on a $10,000 balance than PNC's PNC High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Affirm offers a competitive savings option with its Affirm Money Account, featuring an APY of 3.60%. This account is online-only, requires no minimum deposit or balance, and has no maintenance fees, making it accessible and straightforward. In contrast, PNC provides a High Yield Savings account with a slightly lower APY of 3.53%, also requiring no minimum deposit and offering no maintenance fees, but eligibility is restricted to select states. PNC's Standard Savings account has a significantly lower APY of 0.03%. Overall, Affirm's higher APY makes it the more attractive choice for savers.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Affirm and PNC.
| Feature | Affirm | PNC |
|---|---|---|
| APY | 3.60% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 3.53% Verified: 12/10/2025 ↘︎ 0.42%90d Change |
| Product Name | Affirm Money Account | PNC High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.8 | iOS4.9 Android4.6 |
| BBB Rating | A+ | A+ |
| Important Notes | While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank. | Eligibility restricted to select states. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Affirm | PNC | |
|---|---|---|---|
| Affirm Money Account | PNC High Yield Savings | Standard Savings | |
Current APY | 3.60% | 3.53% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.3 | -3.8 | 0.2 |
Days Since Change | 75 | 27 | 223 |
9-Month High | 3.85% | 3.95% | 0.03% |
9-Month Low | 3.60% | 3.53% | 0.01% |
Adjustments / Mo | 0.11 | 0.32 | 0.11 |
Volatility Score | 0.031 | 0.038 | 0.305 |
How to read these metrics(Click to expand)
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