Capital One vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 7, 2026 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.40% | 3.30% |
Est. Earnings | $5,000+$170 $10,000+$340 $25,000+$850 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Eligibility restricted to select states. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Capital One vs. PNC
As of Capital One offers an APY of 3.40% for its 360 Performance Savings account, with a minimum balance of $0, compared to PNC's 3.30% APY for its PNC High Yield Savings account, with a minimum balance of $0.
Capital One pays $10 more than PNC on a $10,000 balance after one year. Capital One pays $340, while PNC pays $330 - an APY advantage for Capital One.
In addition, PNC also offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why Capital One?
- ✓Available Nationwide
Why PNC?
No distinct advantages found vs Capital One.
— Key Feature Differences —
Better Returns at $25,000
Capital OneCapital One's 360 Performance Savings pulls ahead with larger amounts (approx. $850 vs $825/yr).
Shared Benefits
Over a 1-year period, Capital One's 360 Performance Savings pays $10 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 as of
Capital One offers a competitive 360 Performance Savings account with an APY of 3.40%, making it the standout option compared to PNC's offerings. While PNC's High Yield Savings account provides a decent APY of 3.30%, the difference is minimal, and their Standard Savings account yields only 0.03%. Capital One's account has no minimum deposit or maintenance fees, while PNC's accounts also have no maintenance fees but may incur a fee under certain conditions. Additionally, PNC's High Yield Savings is restricted to residents in select states. Overall, Capital One's higher APY and favorable terms position it as the preferred choice.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Capital One vs. PNC Savings Calculator
You earn $10 more with Capital One than PNC on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$340.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,340.00
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | PNC |
|---|---|---|
| APY | 3.40% Verified: 1/7/2026 Stable (90d) | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | 360 Performance Savings | PNC High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.5 | iOS4.9 Android4.6 |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Available Limit: $2,000/dayCentral to Virtual Wallet suite. |
| BBB Rating | A+ | A+ |
| Important Notes | - | Eligibility restricted to select states. |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at PNC Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | PNC | |
|---|---|---|---|
| 360 Performance Savings | PNC High Yield Savings | Standard Savings | |
Current APY | 3.40% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.1 | -5.6 | 0.2 |
Days Since Change | 98 | 21 | 251 |
10-Month High | 3.70% | 3.95% | 0.03% |
10-Month Low | 3.40% | 3.30% | 0.01% |
Adjustments / Mo | 0.29 | 0.39 | 0.10 |
Volatility Score | 0.029 | 0.057 | 0.286 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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