Peak Bank vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Peak BankEnvision High Yield Savings Jan 7, 2026 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.99% | 3.30% |
Est. Earnings | $5,000+$200 $10,000+$399 $25,000+$998 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $100 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Eligibility restricted to select states. |
| Features | FDIC InsuredLow MinimumsGreat iOS AppGreat Android 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 Peak Bank offers an APY of 3.99% for its Envision High Yield Savings account, with a minimum balance of , compared to PNC's 3.30% APY for its PNC High Yield Savings account, with a minimum balance of $0.
Peak Bank pays $69 more than PNC on a $10,000 balance after one year. Peak Bank pays $399, while PNC pays $330 - an APY advantage for Peak Bank.
In addition, PNC also offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why Peak Bank?
- ✓Higher potential APY (3.99% vs 3.30%) on all balances
- ✓Available Nationwide
Why PNC?
- ✓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)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
— Key Feature Differences —
Better Returns at $10,000
Peak BankPeak Bank's Envision High Yield Savings earns more on smaller deposits (approx. $399 vs $330/yr).
Better Returns at $25,000
Peak BankPeak Bank's Envision High Yield Savings pulls ahead with larger amounts (approx. $998 vs $825/yr).
Best for Simplicity
Peak BankPeak Bank's Envision High Yield Savings offers 3.99% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Peak Bank's Envision High Yield Savings pays $69 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
Peak Bank offers a standout product with its Envision High Yield Savings account, boasting a competitive APY of 3.99%. This online-only account requires a minimum deposit of $100 and has no maintenance fees or direct deposit requirements, making it simple for customers. In contrast, PNC's highest yielding product, the PNC High Yield Savings, provides an APY of 3.30%, but eligibility is limited to select states. PNC also has a Standard Savings account with a much lower APY of 0.03%. Overall, Peak Bank's offering is superior in terms of yield and accessibility.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
Peak Bank vs. PNC Savings Calculator
You earn $69 more with Peak 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.
Peak Bank
Envision High Yield Savings
Savings Breakdown
- Interest Earned+$399.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,399.00
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 | Peak Bank | PNC |
|---|---|---|
| APY | 3.99% Verified: 1/7/2026 ↘︎ 0.21%90d Change | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | Envision High Yield Savings | PNC High Yield Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | N/A | $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 | iOS4.8 Android4.6 | 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 Peak 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 | Peak Bank | PNC | |
|---|---|---|---|
| Envision High Yield Savings | PNC High Yield Savings | Standard Savings | |
Current APY | 3.99% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -4.5 | -5.6 | 0.2 |
Days Since Change | 6 | 21 | 251 |
10-Month High | 4.54% | 3.95% | 0.03% |
10-Month Low | 3.99% | 3.30% | 0.01% |
Adjustments / Mo | 0.58 | 0.39 | 0.10 |
Volatility Score | 0.033 | 0.057 | 0.289 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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