Pnc vs. Salem Five Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 14, 2025
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Summary of PNC vs. Salem Five Direct
Key Metrics at a Glance
| Feature | PNC | Salem Five Direct |
|---|---|---|
| Top Savings APY | 3.53% PNC High Yield Savings | 3.71% eOne Savings |
| Minimum to Open | $0 | $10 |
| Minimum Balance for Top APY | $0 | $0.01 |
| Note | Eligibility restricted. |
PNC
Strengths
- PNC offers a High Yield Savings account with a competitive APY of 3.53%.
- PNC has a higher App Store rating of 4.9 compared to Salem Five Direct.
- PNC has no maintenance fees on its High Yield Savings account.
Potential Drawbacks
- PNC's High Yield Savings APY decreased from 3.85% in the last 30 days.
- Eligibility for PNC's High Yield Savings account is restricted.
Salem Five Direct
Strengths
- Salem Five Direct's eOne Savings account offers a higher APY of 3.71%.
- Salem Five Direct has no minimum balance requirement for its eOne Savings account.
Potential Drawbacks
- Salem Five Direct's eOne Savings APY decreased from 4.01% over the past month.
- Salem Five Direct has no physical branches.
→ As of November 14, 2025 PNC offers an APY of 3.53% for its PNC High Yield Savings account, with a minimum balance of $0, compared to Salem Five Direct's 3.71% APY for its eOne Savings account, with a minimum balance of $0.01.
→ Salem Five Direct yields $18 more than PNC on a $10,000 balance after one year. PNC pays $353, while Salem Five Direct pays $371 - an APY advantage for Salem Five Direct.
→ In addition, PNC also offers 0.03% APY for the Standard Savings account.
Calculate Savings Growth for PNC vs Salem Five Direct
PNC - 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 OverviewSalem Five Direct - eOne Savings
Total savings breakdown:
- Interest earned: $2,248.1 (11.10%)
- Total contributions: $13,000 (64.20%)
- Initial deposit: $5,000 (24.69%)
Your total balance
$20,248.10
Total balance: $20,248.1
Earnings: $2,248.1
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, PNC's total earnings would be $114.9 lower than Salem Five Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare PNC's vs Salem Five Direct's Savings Accounts
| PNC | Salem Five Direct | |||
|---|---|---|---|---|
| Product | Standard Savings | PNC High Yield Savings | vs | eOne Savings |
| APY | 0.03% (as of 11/14/2025) | 3.53% (as of 11/14/2025) | 3.71% (as of 11/14/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | No | No | Yes | |
| Compound Frequency | Monthly | Monthly | Monthly | |
| Minimum Deposit | $0 | $0 | $10 | |
| Minimum Balance for APY | $1 | $0 | $0.01 | |
| Maintenance Fee | $0 / $5 (see bank for details) | $0 | $0 | |
| Direct Deposit Required | No | No | No | |
| Eligibility | 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 | United States | |
| Note | APY may improve with a linked PNC account. Terms and conditions apply. | Eligibility restricted. | ||
| App Store Rating | 4.9/5 | 4.7/5 | ||
| Google Play Rating | 4.6/5 | 4.2/5 | ||
| BBB Rating | A+ | A- | ||
Comparative Historical APY Insights (Last 8 Months)
| PNC | Salem Five Direct | |||
|---|---|---|---|---|
| Product | PNC High Yield Savings | Standard Savings | vs | eOne Savings |
| Latest APY | 3.53 % | 0.03 % | 3.71 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -1.9 | 0.2 | -2.0 | |
| Rate Changes / Mo | 0.35 | 0.12 | 0.23 | |
| Days Since Last Change | 1 | 197 | 9 | |
| High (-8 m) | 3.95 % | 0.03 % | 4.01 % | |
| Low (-8 m) | 3.53 % | 0.01 % | 3.71 % | |
| Draw-down from High | -10.6 % | 0.0 % | -7.5 % | |
| Volatility (CV) | 0.019 | 0.331 | 0.022 | |
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.