Forbright Bank vs. Pnc
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 14, 2025
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Summary of Forbright Bank vs. PNC
Key Metrics at a Glance
| Feature | Forbright Bank | PNC |
|---|---|---|
| Top Savings APY | 4.00% Growth Savings | 3.53% PNC High Yield Savings |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
| Note | Eligibility restricted. |
Forbright Bank
Strengths
- Forbright Bank offers a higher APY of 4.00% on its Growth Savings account.
- Forbright Bank has no minimum balance requirement across its savings accounts.
- Forbright Bank has a strong BBB rating of A+ and is accredited.
Potential Drawbacks
- Forbright Bank has limited branch locations in the Washington D.C. area.
- Forbright Bank's Growth Savings APY has not changed in the last 30 days.
PNC
Strengths
- PNC's High Yield Savings account has no minimum deposit requirement.
- PNC has a higher App Store rating of 4.9 compared to Forbright Bank.
- PNC offers a Standard Savings account with a low minimum balance of $1.
Potential Drawbacks
- PNC's High Yield Savings account APY decreased from 3.85% to 3.53% in the last 30 days.
- PNC is not BBB accredited despite having a rating of A+.
→ As of November 14, 2025 Forbright Bank offers an APY of 4.00% for its Growth Savings account, with a minimum balance of $0, compared to PNC's 3.53% APY for its PNC High Yield Savings account, with a minimum balance of $0.
→ Forbright Bank yields $47 more than PNC on a $10,000 balance after one year. Forbright Bank pays $400, while PNC pays $353 - an APY advantage for Forbright Bank.
→ In addition, Forbright Bank also offers 3.65% APY for the Bright Savings account, while PNC offers 0.03% APY for the Standard Savings account.
Calculate Savings Growth for Forbright Bank vs PNC
Forbright Bank - Growth Savings
Total savings breakdown:
- Interest earned: $2,434.7 (11.91%)
- Total contributions: $13,000 (63.62%)
- Initial deposit: $5,000 (24.47%)
Your total balance
$20,434.70
Total balance: $20,434.7
Earnings: $2,434.7
Bank OverviewPNC - PNC High Yield Savings
Total savings breakdown:
- Interest earned: $2,133.2 (10.60%)
- Total contributions: $13,000 (64.57%)
- Initial deposit: $5,000 (24.83%)
Your total balance
$20,133.20
Total balance: $20,133.2
Earnings: $2,133.2
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Forbright Bank's total earnings would be $301.5 higher than PNC's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Forbright Bank's vs PNC's Savings Accounts
| Forbright Bank | PNC | |||||
|---|---|---|---|---|---|---|
| Product | Growth Savings | Bright Savings | Sprout Savings | vs | Standard Savings | PNC High Yield Savings |
| APY | 4.00% (as of 11/14/2025) | 2.75% - 3.65% (as of 11/14/2025) | 0.80% - 3.65% (as of 11/14/2025) | 0.03% (as of 11/14/2025) | 3.53% (as of 11/14/2025) | |
| Bundled Account | No | No | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | Yes | Yes | |
| Online Only | Yes | No | No | No | No | |
| Compound Frequency | Daily | Daily | Daily | Monthly | Monthly | |
| Minimum Deposit | $0 | $250 | $1 | $0 | $0 | |
| Minimum Balance for APY | $0 | $250,000 | $0.01 | $1 | $0 | |
| Maintenance Fee | $0 | $0 | $0 | $0 / $5 (see bank for details) | $0 | |
| Direct Deposit Required | No | No | No | No | No | |
| Eligibility | United States | This account must be opened in a Forbright branch (Washington, D.C. metro area) | This account is for children under 18 years old, where the account custodian is an existing customer. It must be opened in a Forbright branch (Washington, D.C. metro area) | United States | AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY | |
| Note | This is a tiered savings account, where the highest rate is obtained by meeting a minimum balance of $250,000. A lower APY of 2.75% may be obtained with as little as $0.01 in balance. See bank for more details and all tiers. | This is a tiered savings account, where the highest rate is capped at a balance of $9,999. A lower APY of 0.80% is applied to balances above that. See bank for more details. | APY may improve with a linked PNC account. Terms and conditions apply. | Eligibility restricted. | ||
| App Store Rating | 4.8/5 | 4.9/5 | ||||
| Google Play Rating | 4.6/5 | 4.6/5 | ||||
| BBB Rating | A+ | A+ | ||||
Comparative Historical APY Insights (Last 8 Months)
| Forbright Bank | PNC | |||||
|---|---|---|---|---|---|---|
| Product | Sprout Savings | Bright Savings | Growth Savings | vs | PNC High Yield Savings | Standard Savings |
| Latest APY | 3.65 % | 3.65 % | 4.00 % | 3.53 % | 0.03 % | |
| Trend | Sideways | Sideways | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -2.7 | -2.8 | -2.5 | -1.9 | 0.2 | |
| Rate Changes / Mo | 0.12 | 0.12 | 0.12 | 0.35 | 0.12 | |
| Days Since Last Change | 44 | 44 | 37 | 1 | 197 | |
| High (-8 m) | 3.90 % | 3.90 % | 4.25 % | 3.95 % | 0.03 % | |
| Low (-8 m) | 3.65 % | 3.65 % | 4.00 % | 3.53 % | 0.01 % | |
| Draw-down from High | -6.4 % | -6.4 % | -5.9 % | -10.6 % | 0.0 % | |
| Volatility (CV) | 0.026 | 0.026 | 0.023 | 0.019 | 0.331 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-8 m)
- Highest APY in the last 256 days.
- Low (-8 m)
- Lowest APY in the last 256 days.
- Draw-down from High
- How far today sits below the 8-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.