High-Yield Savings Account Comparison

EverBank vs. PNC

Comparing EverBank and PNC for high-yield savings: EverBank's Performance Savings pays 3.90% APY while PNC's PNC High Yield Savings pays 3.30% APY.

See how they compare on rate stability, mobile app ratings, and more below.

Analysis by Aviel Fahl
Updated February 21, 2026

The Bottom Line

Who pays more interest on $10,000? EverBank pays $60 more than PNC annually ($390 vs $330).

Choose EverBank if getting the best rate matters most. Choose PNC if you value in-person banking.

Comparison of EverBank vs PNC savings accounts
Metric

EverBank

Performance Savings

Feb 21, 2026

PNC

PNC High Yield Savings

Feb 21, 2026
APY3.90%3.30%
Est. Earnings
$5,000+$195
$10,000+$390
$25,000+$975
$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 AppZelle® SupportedDaily CompoundingRate 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.

See Top Rates

Comparison Analysis

Comparing EverBank vs. PNC

Updated: Feb 21, 2026

Executive Summary

EverBank offers a competitive Performance Savings account with an impressive APY of 3.90%, making it the standout option compared to PNC's highest yield of 3.30% from their High Yield Savings account. EverBank's product requires no direct deposit or minimum balance, and it is online-only, providing simplicity for savers. In contrast, PNC's Standard Savings account yields only 0.03% APY, while the High Yield Savings account is available but restricted to residents of select states. Overall, EverBank's Performance Savings is the superior choice for higher returns.

The analysis is based on current Banksparency database records

* This content is provided for informational purposes only; always verify details with the provider.

Why EverBank?

  • Higher potential APY (3.90% vs 3.30%) on all balances
  • Available Nationwide

Why PNC?

No distinct advantages found vs EverBank.

— Key Feature Differences —

Better Returns at $10,000
EverBank

EverBank's Performance Savings earns more on smaller deposits (approx. $390 vs $330/yr).

Better Returns at $25,000
EverBank

EverBank's Performance Savings pulls ahead with larger amounts (approx. $975 vs $825/yr).

Best for Simplicity
EverBank

EverBank's Performance Savings offers 3.90% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Both offer monthly maintenance-free account options Both banks have options with $0 opening deposit Fast transfers via Zelle® Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, EverBank's Performance Savings pays $60 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.

PNCEverBank
Verify At
EverBank

Non-sponsored link to official site

Verify At
PNC

Non-sponsored link to official site

Top Market Contenders

SoFi Bank
4.00% APY
Ally Bank
3.20% APY
CIT Bank
3.75% APY

EverBank vs. PNC Savings Calculator

Calculations based on current APY for Performance Savings and PNC High Yield Savings
$
$

You earn $60 more with EverBank 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.

EverBank

Performance Savings

3.90% APY

Savings Breakdown

  • Interest Earned
    +$390.00(3.8%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,390.00

Effective APY
3.90%

PNC

PNC High Yield Savings

3.30% APY

Savings Breakdown

  • Interest Earned
    +$330.00(3.2%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,330.00

Effective APY
3.30%

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 EverBank and PNC dramatically outperform the typical 0.01% APY at traditional big banks.

Big banks currently pay 0.01% APY on savings vs 3.30%+ here
FeatureEverBankPNC
APY
3.90%
Verified: 2/21/2026
↘︎ 0.15%90d Change
3.30%
Verified: 2/21/2026
↘︎ 0.23%90d Change
Product NamePerformance SavingsPNC High Yield Savings
Minimum Deposit$0$0
Min. Balance for APY$0$0
Monthly Fee$0$0
Compound FrequencyDailyMonthly
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Physical Branches11 locations in Florida and CaliforniaMultiple 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.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.7
Android4.7
iOS4.9
Android4.6
FDIC Insured
Zelle® Support
Available
Native integration verified.
Available
Limit: $2,000/dayCentral to Virtual Wallet suite.
BBB RatingA+A+
Important Notes-Eligibility restricted to select states.
Next Steps
Visit Site

Non-sponsored link to official site

Visit Site

Non-sponsored link to official site

📈 Compare Savings Rates Over Time

Historical Performance

Last 12 Months Analysis
MetricEverBankPNC
Performance SavingsPNC High Yield SavingsStandard Savings
Current APY
3.90%3.30%0.03%
Trend
Stable Stable Stable
Velocity (bps/mo)
-4.4-6.80.1
Days Since Change
6466296
12-Month High
4.30%3.95%0.03%
12-Month Low
3.90%3.30%0.01%
Adjustments / Mo
0.170.340.08
Volatility Score
0.0400.0730.264
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 354-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

More Comparisons

Compare EverBank's APY of 3.90% with other banks
Bank PairCompetitor APYMin Deposit
EverBank vs Affirm3.20%$0
EverBank vs Ally Bank3.20%$0
EverBank vs American Express3.30%$0
EverBank vs Axos Bank4.21%$0
EverBank vs Bank of America0.01%$100
EverBank vs Barclays3.85%$0
EverBank vs Bask Bank0.25%$0
EverBank vs Betterment3.90%$10
EverBank vs BMO Alto3.15%$0
EverBank vs Bread Savings4.00%$100
EverBank vs BrioDirect3.75%$5,000
EverBank vs Capital One3.30%$0
EverBank vs Carver Bank4.00%$5,000
EverBank vs Charles Schwab Bank0.15%$0
EverBank vs Chase Bank0.01%$0
EverBank vs Chime3.00%$0
EverBank vs CIT Bank3.75%$100
EverBank vs Citibank3.20%$0
EverBank vs Citizens Access™3.15%$0.01
EverBank vs Climate First Bank4.21%$50
EverBank vs Colorado Federal Savings Bank4.05%$50,000
EverBank vs Discover Bank3.30%$0
EverBank vs E*TRADE from Morgan Stanley3.35%$0
EverBank vs Elevault3.82%$0
EverBank vs Fitness Bank4.50%$100
EverBank vs FNBO Direct3.00%$1
EverBank vs Forbright Bank3.85%$0
EverBank vs FVCbank4.00%$500
EverBank vs GO2bank4.50%$0
EverBank vs Ivy Bank3.85%$2,500
EverBank vs Jenius Bank4.05%$0
EverBank vs LendingClub4.00%$0
EverBank vs Marcus by Goldman Sachs3.65%$0
EverBank vs MutualOne Bank4.07%$20,000
EverBank vs My Banking Direct4.02%$500
EverBank vs Neighbors Bank4.20%$0
EverBank vs Newtek Bank4.20%$0.01
EverBank vs Openbank4.09%$500
EverBank vs Peak Bank4.02%$100
EverBank vs Pibank4.60%$0
EverBank vs Popular Direct3.90%$100
EverBank vs Presidential Bank3.75%$5,000
EverBank vs Quontic Bank3.50%$100
EverBank vs Salem Five Direct3.61%$10
EverBank vs Sallie Mae Bank3.85%$0
EverBank vs Santander Bank0.01%$25
EverBank vs SoFi Bank4.00%$0
EverBank vs Synchrony Bank3.50%$0
EverBank vs TD Bank2.36%$0
EverBank vs TIMBR4.15%$1,000
EverBank vs UFB Direct3.46%$5000
EverBank vs Upgrade3.05%$0
EverBank vs Valley Direct4.00%$1,000
EverBank vs Varo Bank5.00%$0
EverBank vs Vio Bank4.03%$100
EverBank vs Wealthfront3.95%$0
EverBank vs Wells Fargo0.05%$25
EverBank vs Zynlo Bank3.85%$10
Compare PNC's APY of 3.30% with other banks