Ivy Bank vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Ivy BankHigh-Yield Savings Account Jan 7, 2026 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 0.05% - 4.10% | 3.30% |
Est. Earnings | $5,000+$205 $10,000+$410 $25,000+$1,025 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $2,500 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Eligibility restricted to select states. |
| Features | FDIC InsuredMod. MinimumGreat iOS App | 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 Ivy Bank offers an APY of 4.10% for its High-Yield Savings Account, with a minimum balance of $2,500, compared to PNC's 3.30% APY for its PNC High Yield Savings account, with a minimum balance of $0.
Ivy Bank pays $80 more than PNC on a $10,000 balance after one year. Ivy Bank pays $410, while PNC pays $330 - an APY advantage for Ivy Bank.
In addition, PNC also offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why Ivy Bank?
- ✓Higher potential APY (4.10% vs 3.30%) on all balances
Why PNC?
- ✓No checking account or direct deposit required
- ✓Physical branch access (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)
- ✓Higher rated Android app (4.6 vs 3.5)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
— Key Feature Differences —
Better Returns at $10,000
Ivy BankIvy Bank's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $330/yr).
Better Returns at $25,000
Ivy BankIvy Bank's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $825/yr).
Best for Simplicity
PNCPNC's PNC High Yield Savings offers 3.30% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
PNCPNC offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.6 (vs. 3.5)
Shared Benefits
Over a 1-year period, Ivy Bank's High-Yield Savings Account pays $80 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
Ivy Bank offers a High-Yield Savings Account with a competitive APY of 4.10%, significantly higher than PNC's best option, the PNC High Yield Savings, which yields 3.30%. Ivy Bank's account is online-only, requires a minimum deposit and balance of $2,500, and is available to residents of California and U.S. Territories, excluding the District of Columbia. In contrast, PNC's High Yield Savings has no minimum deposit requirement and is accessible in select states, making it a simpler option for those eligible. However, for higher returns, Ivy Bank's account is the clear winner.
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
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Ivy Bank vs. PNC Savings Calculator
You earn $80 more with Ivy Bank 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.
Ivy Bank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
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 | Ivy Bank | PNC |
|---|---|---|
| APY | 4.10% Range: 0.05% - 4.10% Verified: 1/7/2026 - | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | High-Yield Savings Account | PNC High Yield Savings |
| Minimum Deposit | $2,500 | $0 |
| Min. Balance for APY | $2,500 | $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 | iOS4.7 Android3.5 | iOS4.9 Android4.6 |
| Zelle® Support | Not Supported | 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 Ivy Bank Non-sponsored link to official site | Visit SiteVerify at PNC Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Ivy Bank | PNC | |
|---|---|---|---|
| High-Yield Savings Account | PNC High Yield Savings | Standard Savings | |
Current APY | 4.10% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -11.9 | -18.1 | -0.0 |
Days Since Change | 22 | 21 | 54 |
2-Month High | 4.25% | 3.53% | 0.03% |
2-Month Low | 4.10% | 3.30% | 0.03% |
Adjustments / Mo | 0.55 | 0.55 | 0.00 |
Volatility Score | 0.018 | 0.033 | 0.000 |
How to read these metrics(Click to expand)
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Comparing against Standard Savings
High Rates (With Checking Bundle)
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