Capital One vs. PNC
Capital One and PNC both offer 3.30% APY on their high-yield savings accounts. With identical rates, your choice comes down to other factors like mobile app quality, branch access, or customer service reputation.
| Metric | Capital One360 Performance Savings Feb 21, 2026 | PNCPNC High Yield Savings Feb 21, 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® 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 the 360 Performance Savings account with a competitive APY of 3.30%, with no minimum deposit or balance requirements, and no maintenance fees. In comparison, PNC provides the High Yield Savings account, also yielding 3.30%, along with a Standard Savings account that offers a significantly lower APY of 0.03%. However, the High Yield Savings account is only available to customers in select states, which may limit accessibility. Both banks do not require direct deposit for their savings accounts, making them flexible options.
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
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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $329 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 | 3.30% Verified: 2/21/2026 ↘︎ 0.10%90d Change | 3.30% Verified: 2/21/2026 ↘︎ 0.23%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 | 3.30% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.3 | -6.8 | 0.1 |
Days Since Change | 44 | 66 | 296 |
12-Month High | 3.70% | 3.95% | 0.03% |
12-Month Low | 3.30% | 3.30% | 0.01% |
Adjustments / Mo | 0.34 | 0.34 | 0.08 |
Volatility Score | 0.034 | 0.073 | 0.264 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
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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 3.30% with other banks
Compare PNC's APY of 3.30% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| PNC vs Ally Bank | 3.20% | $0 |
| PNC vs American Express | 3.30% | $0 |
| PNC vs Axos Bank | 4.21% | $0 |
| PNC vs Bank of America | 0.01% | $100 |
| PNC vs Barclays | 3.85% | $0 |
| PNC vs Chase Bank | 0.01% | $0 |
| PNC vs Chime | 3.00% | $0 |
| PNC vs CIT Bank | 3.75% | $100 |
| PNC vs Citibank | 3.20% | $0 |
| 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 | 4.09% | $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 | 3.95% | $0 |
| PNC vs Wells Fargo | 0.05% | $25 |