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 16, 2026 | PNCPNC High Yield Savings Jan 16, 2026 |
|---|---|---|
| APY | 3.30% | 3.30% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $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 4.20% APY.
Comparison Analysis
Comparing Capital One vs. PNC
As of both Capital One (360 Performance Savings) and PNC (PNC High Yield Savings) offer an APY of 3.30% .
Both banks yield $330 in interest on a $10,000 balance after one year. Neither has an APY advantage, so consider other features (fees, access, app ratings, etc.) when choosing.
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.
Shared Benefits
Executive Summary as of
Capital One offers a competitive 360 Performance Savings account with an APY of 3.30%, requiring no minimum deposit or balance, and no maintenance fees. In comparison, PNC features two savings options: the Standard Savings account with a minimal APY of 0.03% and the PNC High Yield Savings account, which also offers an APY of 3.30%. However, the High Yield Savings account has eligibility restrictions, limited to select states. Both banks provide online access and do not require direct deposit for their savings accounts.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Capital One vs. PNC Savings Calculator
Both accounts earn exactly the same amount.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
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 | 3.30% Verified: 1/16/2026 ↘︎ 0.10%90d Change | 3.30% Verified: 1/16/2026 ↘︎ 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 | 3.30% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.2 | -6.0 | 0.2 |
Days Since Change | 8 | 30 | 260 |
10-Month High | 3.70% | 3.95% | 0.03% |
10-Month Low | 3.30% | 3.30% | 0.01% |
Adjustments / Mo | 0.38 | 0.38 | 0.09 |
Volatility Score | 0.030 | 0.062 | 0.280 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Capital One vs...
Comparing against Standard Savings
Compare PNC vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.