Betterment vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
Betterment
Cash Reserve
3.50%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Betterment
Cash Reserve
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.
Betterment vs. PNC Savings Calculator
PNC earns $19.1 more than Betterment.
Betterment
Cash Reserve
Savings Breakdown
- Interest Earned+$2,114.10(10.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,114.10
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 Betterment vs. PNC
Why Betterment?
- ✓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, PNC's PNC High Yield Savings pays $3 more interest on a $10,000 balance than Betterment's Cash Reserve.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Betterment offers a competitive APY of 3.50% on its Cash Reserve savings account, which is an online-only product requiring a minimum deposit of $10 and has no maintenance fees. In comparison, PNC's High Yield Savings account provides a slightly higher APY of 3.53%, but eligibility is restricted to select states. PNC also has a Standard Savings account with a significantly lower APY of 0.03%. Both banks do not require direct deposit for their savings products, making them accessible options 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.
Stop Losing Interest
See who beats both Betterment and PNC.
| Feature | Betterment | PNC |
|---|---|---|
| APY | 3.50% Verified: 12/10/2025 ↘︎ 0.50%90d Change | 3.53% Verified: 12/10/2025 ↘︎ 0.42%90d Change |
| Product Name | Cash Reserve | PNC High Yield Savings |
| Minimum Deposit | $10 | $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 | iOS4.8 Android4.7 | iOS4.9 Android4.6 |
| BBB Rating | A- | A+ |
| Important Notes | - | Eligibility restricted to select states. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Betterment | PNC | |
|---|---|---|---|
| Cash Reserve | PNC High Yield Savings | Standard Savings | |
Current APY | 3.50% | 3.53% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -5.6 | -3.8 | 0.2 |
Days Since Change | 39 | 27 | 223 |
9-Month High | 4.00% | 3.95% | 0.03% |
9-Month Low | 3.50% | 3.53% | 0.01% |
Adjustments / Mo | 0.21 | 0.32 | 0.11 |
Volatility Score | 0.051 | 0.038 | 0.305 |
How to read these metrics(Click to expand)
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