MutualOne Bank vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | MutualOne BankMo Premium Savings Jan 7, 2026 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.07% | 3.30% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$1,018 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $20,000 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Eligibility restricted to select states. |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® 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.
Comparison Analysis
Comparing MutualOne Bank vs. PNC
As of MutualOne Bank offers an APY of 4.07% for its Mo Premium Savings account, with a minimum balance of $20,000, compared to PNC's 3.30% APY for its PNC High Yield Savings account, with a minimum balance of $0.
MutualOne Bank pays $77 more than PNC on a $10,000 balance after one year. MutualOne Bank pays $407, while PNC pays $330 - an APY advantage for MutualOne Bank.
In addition, MutualOne Bank also offers 0.40% APY for the Online Savings account, with a minimum balance of 0, while PNC offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why MutualOne Bank?
- ✓Higher potential APY (4.07% vs 3.30%)
- ✓Available Nationwide
Why PNC?
No distinct advantages found vs MutualOne Bank.
— Key Feature Differences —
Better Returns at $10,000
PNCPNC's PNC High Yield Savings earns more on smaller deposits (approx. $330 vs $0/yr).
Better Returns at $25,000
MutualOne BankMutualOne Bank's Mo Premium Savings pulls ahead with larger amounts (approx. $1018 vs $825/yr).
Best for Simplicity
MutualOne BankMutualOne Bank's Mo Premium Savings offers 4.07% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, MutualOne Bank's Mo Premium Savings pays $77 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
MutualOne Bank offers a clear advantage with its Mo Premium Savings account, providing a competitive 4.07% APY with no direct deposit requirement and no caps, making it an attractive option for those with a minimum deposit of $20,000. In contrast, PNC's highest yielding product, the PNC High Yield Savings account, offers a significantly lower APY of 3.30%, although it has no minimum deposit requirement and is accessible to customers in select states. Additionally, PNC's Standard Savings account yields only 0.03% APY, further emphasizing MutualOne Bank's superior returns.
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
MutualOne Bank vs. PNC Savings Calculator
You earn $154 more with MutualOne Bank than PNC on a $20,000 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.
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$814.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,814.00
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$660.00(3.2%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,660.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | MutualOne Bank | PNC |
|---|---|---|
| APY | 4.07% Verified: 1/7/2026 Stable (90d) | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | Mo Premium Savings | PNC High Yield Savings |
| Minimum Deposit | $20,000 | $0 |
| Min. Balance for APY | $20,000 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.4 | iOS4.9 Android4.6 |
| Zelle® Support | Available Verified via website and app descriptions. | 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 MutualOne 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 | MutualOne Bank | PNC | ||
|---|---|---|---|---|
| Online Savings | Mo Premium Savings | PNC High Yield Savings | Standard Savings | |
Current APY | 0.40% | 4.07% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -0.0 | -19.3 | 0.0 |
Days Since Change | 114 | 114 | 21 | 114 |
4-Month High | 0.40% | 4.07% | 3.95% | 0.03% |
4-Month Low | 0.40% | 4.07% | 3.30% | 0.03% |
Adjustments / Mo | 0.00 | 0.00 | 1.03 | 0.00 |
Volatility Score | 0.000 | 0.000 | 0.060 | 0.000 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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