Axos Bank vs. Pnc
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 14, 2025
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Summary of Axos Bank vs. PNC
Key Metrics at a Glance
| Feature | Axos Bank | PNC |
|---|---|---|
| Top Savings APY | 4.51% Axos ONE | 3.53% PNC High Yield Savings |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
| Note | This APY is only available with the Axos ONE savings and checking bundle. 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. | Eligibility restricted. |
Axos Bank
Strengths
- Axos Bank offers a higher APY of 4.51% for the Axos ONE account.
- Axos Bank has an A+ BBB rating and is BBB Accredited.
- Axos Bank has no maintenance fees for any accounts.
Potential Drawbacks
- Axos Bank's high APY requires maintaining a balance of $1,500 or more.
- Axos Bank has no physical branches.
PNC
Strengths
- PNC's High Yield Savings account has no minimum deposit requirement.
- PNC offers a higher App Store rating of 4.9.
Potential Drawbacks
- PNC's High Yield Savings APY is lower at 3.53%, down from 3.85%.
- PNC is not BBB Accredited despite having an A+ BBB rating.
Summary: Axos Bank provides a significantly higher APY of 4.51% for its high-yield savings account but requires maintaining a balance of $1,500. PNC offers a lower APY of 3.53% and has no minimum deposit requirement, but its APY has decreased recently. Additionally, Axos Bank is BBB Accredited, while PNC is not, despite both having an A+ BBB rating.
→ As of November 14, 2025 Axos Bank offers an APY of 4.51% for its Axos ONE account, with a minimum balance of $0, compared to PNC's 3.53% APY for its PNC High Yield Savings account, with a minimum balance of $0.
→ Axos Bank yields $98 more than PNC on a $10,000 balance after one year. Axos Bank pays $451, while PNC pays $353 - an APY advantage for Axos Bank.
→ In addition, Axos Bank also offers 4.00% APY for the Summit Savings account, while PNC offers 0.03% APY for the Standard Savings account.
Calculate Savings Growth for Axos Bank vs PNC
All calculations are based on APY.
Axos Bank - Axos ONE
Top APY: 4.51%
Total savings breakdown:
- Interest earned: $2,766.7 (13.32%)
- Total contributions: $13,000 (62.60%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,766.70
Effective APY: 4.51% (based on your deposit and contributions)
Total balance: $20,766.7
Earnings: $2,766.7
PNC - PNC High Yield Savings
Top APY: 3.53%
Total savings breakdown:
- Interest earned: $2,133.2 (10.60%)
- Total contributions: $13,000 (64.57%)
- Initial deposit: $5,000 (24.83%)
Your total balance
$20,133.20
Effective APY: 3.53% (based on your deposit and contributions)
Total balance: $20,133.2
Earnings: $2,133.2
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Axos Bank's total earnings would be $633.5 higher than PNC's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Axos Bank's vs PNC's Savings Accounts
| Axos Bank | PNC | |||||
|---|---|---|---|---|---|---|
| Product | Axos ONE | Summit Savings | High Yield Savings | vs | Standard Savings | PNC High Yield Savings |
| APY | 4.51% (as of 11/14/2025) | 4.00% (as of 11/14/2025) | 0.15% - 0.61% (as of 11/14/2025) | 0.03% (as of 11/14/2025) | 3.53% (as of 11/14/2025) | |
| Bundled Account | Yes | No | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | No | No | |
| Compound Frequency | Daily | Daily | Daily | Monthly | Monthly | |
| Minimum Deposit | $0 | $0 | $0 | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | $0 | $1 | $0 | |
| Maintenance Fee | $0 | $0 | $0 | $0 / $5 (see bank for details) | $0 | |
| Direct Deposit Required | No. Not required, but is the easiest way to earn the highest APY. | No | No | No | No | |
| Eligibility | United States | United States | United States | 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 | This APY is only available with the Axos ONE savings and checking bundle. 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. | This is a tiered savings account where rates vary based on the balance. The top APY may be earned on a balance up to $9,999.99, while balances above that receive an increasingly lower APY. | APY may improve with a linked PNC account. Terms and conditions apply. | Eligibility restricted. | ||
| Sponsored Link | LEARN MORE at Axos Bank, Member FDIC | |||||
| App Store Rating | 4.7/5 | 4.9/5 | ||||
| Google Play Rating | 4.5/5 | 4.6/5 | ||||
| BBB Rating | A+ | A+ | ||||
Comparative Historical APY Insights (Last 8 Months)
| Axos Bank | PNC | |||||
|---|---|---|---|---|---|---|
| Product | High Yield Savings | Summit Savings | Axos ONE | vs | PNC High Yield Savings | Standard Savings |
| Latest APY | 0.61 % | 4.00 % | 4.51 % | 3.53 % | 0.03 % | |
| Trend | Sideways | Sideways | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -0.0 | 0.0 | -4.1 | -1.9 | 0.2 | |
| Rate Changes / Mo | 0.00 | 0.00 | 0.35 | 0.35 | 0.12 | |
| Days Since Last Change | 255 | 137 | 43 | 1 | 197 | |
| High (-8 m) | 0.61 % | 4.00 % | 4.86 % | 3.95 % | 0.03 % | |
| Low (-8 m) | 0.61 % | 4.00 % | 4.46 % | 3.53 % | 0.01 % | |
| Draw-down from High | 0.0 % | 0.0 % | -7.2 % | -10.6 % | 0.0 % | |
| Volatility (CV) | 0.000 | 0.000 | 0.027 | 0.019 | 0.331 | |
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.