Capital One vs. PNC
PNC edges out Capital One slightly at 3.25% vs 3.20% APY. On a $10,000 balance, the difference is just $5 per year—so other factors may matter more.
| Metric | Capital One360 Performance Savings Apr 7, 2026 | PNCPNC High Yield Savings Apr 7, 2026 |
|---|---|---|
| APY | 3.20% | 3.25% |
Est. Earnings | $5,000+$160 $10,000+$320 $25,000+$800 | $5,000+$163 $10,000+$325 $25,000+$813 |
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® SupportedRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Capital One vs. PNC
Executive Summary
Capital One offers a competitive 360 Performance Savings account with an APY of 3.20%, which has no minimum deposit or balance requirements and does not require direct deposit. In contrast, PNC's highest yield product, the PNC High Yield Savings, provides a slightly higher APY of 3.25%, but eligibility is restricted to select states. Both banks have no maintenance fees and compound interest monthly. For those ineligible for PNC's higher yield, the Standard Savings account offers a much lower APY of 0.03%. Overall, while PNC has a marginally higher APY, the accessibility of Capital One's offering may appeal to a broader audience.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Capital One?
- ✓Available Nationwide
Why PNC?
No distinct advantages found vs Capital One.
Shared Benefits
Over a 1-year period, PNC's PNC High Yield Savings pays $5 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
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Capital One vs. PNC Savings Calculator
You earn $5 more with PNC than Capital One 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+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$325.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,325.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $319 per year in interest.
Both Capital One and PNC dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Capital One | PNC |
|---|---|---|
| APY | 3.20% Verified: 4/7/2026 ↘︎ 0.20%90d Change | 3.25% Verified: 4/7/2026 ↘︎ 0.05%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 |
| Compound Frequency | Monthly | Monthly |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | 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 |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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 | 3.20% | 3.25% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.4 | -7.8 | 0.1 |
Days Since Change | 26 | 32 | 341 |
12-Month High | 3.70% | 3.95% | 0.03% |
12-Month Low | 3.20% | 3.25% | 0.01% |
Adjustments / Mo | 0.41 | 0.41 | 0.08 |
Volatility Score | 0.036 | 0.082 | 0.164 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Capital One vs...
Comparing against Standard Savings
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Comparing against Standard Savings
High Rates (With Checking Bundle)
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More Comparisons
Compare Capital One's APY of 3.20% with other banks
Compare PNC's APY of 3.25% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| PNC vs Ally Bank | 3.20% | $0 |
| PNC vs American Express | 3.20% | $0 |
| PNC vs Axos Bank | 4.21% | $0 |
| PNC vs Barclays | 3.85% | $0 |
| PNC vs Chime | 3.00% | $0 |
| PNC vs CIT Bank | 3.75% | $100 |
| PNC vs Discover Bank | 3.30% | $0 |
| PNC vs EverBank | 3.90% | $0 |
| PNC vs Marcus by Goldman Sachs | 3.65% | $0 |
| PNC vs Newtek Bank | 4.20% | $0.01 |
| PNC vs Openbank | 4.00% | $500 |
| PNC vs Pibank | 4.60% | $0 |
| PNC vs SoFi Bank | 4.00% | $0 |
| PNC vs Synchrony Bank | 3.50% | $0 |
| PNC vs Varo Bank | 5.00% | $0 |
| PNC vs Wealthfront | 4.20% | $0 |