EverBank vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | EverBankPerformance Savings Jan 7, 2026 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.90% | 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® 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.
As of EverBank offers an APY of 3.90% for its 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.
EverBank pays $60 more than PNC on a $10,000 balance after one year. EverBank pays $390, while PNC pays $330 - an APY advantage for EverBank.
In addition, PNC also offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
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
EverBankEverBank's Performance Savings earns more on smaller deposits (approx. $390 vs $330/yr).
Better Returns at $25,000
EverBankEverBank's Performance Savings pulls ahead with larger amounts (approx. $975 vs $825/yr).
Best for Simplicity
EverBankEverBank's Performance Savings offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
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.
Executive Summary as of
EverBank offers a standout Performance Savings account with a competitive APY of 3.90%, providing better returns compared to PNC's highest APY of 3.30% from its High Yield Savings account. EverBank's product is notable for its simplicity, requiring no direct deposit and having no minimum balance or maintenance fees, making it accessible for all depositors. In contrast, PNC's offerings include a Standard Savings account with a negligible APY of 0.03% and a High Yield Savings account available only to select states, which may limit accessibility. Overall, EverBank is the clear choice for higher yields.
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
EverBank vs. PNC Savings Calculator
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
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
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 | EverBank | PNC |
|---|---|---|
| APY | 3.90% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | Performance Savings | PNC High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.6 Android4.8 | iOS4.9 Android4.6 |
| Zelle® Support | Available Native integration verified. | 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 EverBank Non-sponsored link to official site | Visit SiteVerify at PNC Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | EverBank | PNC | |
|---|---|---|---|
| Performance Savings | PNC High Yield Savings | Standard Savings | |
Current APY | 3.90% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -4.0 | -5.6 | 0.2 |
Days Since Change | 19 | 21 | 251 |
10-Month High | 4.30% | 3.95% | 0.03% |
10-Month Low | 3.90% | 3.30% | 0.01% |
Adjustments / Mo | 0.19 | 0.39 | 0.10 |
Volatility Score | 0.034 | 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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