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 3.25% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? EverBank pays $65 more than PNC annually ($390 vs $325).
Choose EverBank if getting the best rate matters most. Choose PNC if you value in-person banking.
| Metric | EverBankPerformance Savings Apr 7, 2026 | PNCPNC High Yield Savings Apr 7, 2026 |
|---|---|---|
| APY | 3.90% | 3.25% |
Est. Earnings | $5,000+$195 $10,000+$390 $25,000+$975 | $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 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.
Executive Summary
EverBank offers a competitive Performance Savings account with an APY of 3.90%, providing better returns compared to PNC's highest offering, the High Yield Savings account, which has an APY of 3.25%. EverBank's account stands out for its simplicity, requiring no direct deposit or minimum balance, and is available online only. In contrast, PNC's accounts, including the Standard Savings with a minimal APY of 0.03%, are accessible with physical branches, but the High Yield Savings account is restricted to residents of select states. Overall, EverBank is the clear winner based on the provided APY data.
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 3.25%) 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 $325/yr).
Better Returns at $25,000
EverBankEverBank's Performance Savings pulls ahead with larger amounts (approx. $975 vs $813/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 $65 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
EverBank vs. PNC Savings Calculator
You earn $65 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+$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 $324 per year in interest.
Both EverBank and PNC dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | EverBank | PNC |
|---|---|---|
| APY | 3.90% Verified: 4/7/2026 Stable (90d) | 3.25% Verified: 4/7/2026 ↘︎ 0.05%90d Change |
| Product Name | Performance Savings | PNC High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | 11 locations in Florida and California | 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 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% | 3.25% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -4.6 | -7.8 | 0.1 |
Days Since Change | 109 | 32 | 341 |
12-Month High | 4.30% | 3.95% | 0.03% |
12-Month Low | 3.90% | 3.25% | 0.01% |
Adjustments / Mo | 0.16 | 0.41 | 0.08 |
Volatility Score | 0.042 | 0.082 | 0.164 |
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 EverBank's APY of 3.90% 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 Capital One | 3.20% | $0 |
| PNC vs Chime | 3.00% | $0 |
| PNC vs CIT Bank | 3.75% | $100 |
| PNC vs Discover Bank | 3.30% | $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 |