PNC vs. Sallie Mae Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
PNC
PNC High Yield Savings
3.53%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
PNC
PNC High Yield Savings
Sallie Mae Bank
High-Yield Savings Account
3.90%APYDec 10, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Sallie Mae Bank
High-Yield Savings Account
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
PNC vs. Sallie Mae Bank Savings Calculator
Sallie Mae Bank earns $237 more than PNC.
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$2,133.20(10.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,133.20
Sallie Mae Bank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,370.20(11.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,370.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing PNC vs. Sallie Mae Bank
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)
- ✓Higher rated iOS app (4.9 vs 1.5)
- ✓Higher rated Android app (4.6 vs 1.6)
Why Sallie Mae Bank?
- ✓Higher potential APY (3.90% vs 3.53%) on all balances
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
Sallie Mae BankSallie Mae Bank's High-Yield Savings Account earns more on smaller deposits (approx. $390 vs $353/yr).
Better Returns at $25,000
Sallie Mae BankSallie Mae Bank's High-Yield Savings Account pulls ahead with larger amounts (approx. $975 vs $883/yr).
Best for Simplicity
Sallie Mae BankSallie Mae Bank's High-Yield Savings Account offers 3.90% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
PNCPNC offers an iOS app rated 4.9 (vs. 1.5) and Android app rated 4.6 (vs. 1.6)
Shared Benefits
Over a 1-year period, Sallie Mae Bank's High-Yield Savings Account pays $37 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
Sallie Mae Bank offers a High-Yield Savings Account with a competitive APY of 3.90%, making it the winner in this comparison. This account features no minimum deposit or balance requirements, and it is online-only, ensuring simplicity without the need for physical branches. In contrast, PNC's High Yield Savings account provides a slightly lower APY of 3.53%, also with no minimum deposit or balance, but eligibility is restricted to select states. Both banks have no maintenance fees and do not require direct deposit, making them accessible options for savers.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both PNC and Sallie Mae Bank.
| Feature | PNC | Sallie Mae Bank |
|---|---|---|
| APY | 3.53% Verified: 12/10/2025 ↘︎ 0.42%90d Change | 3.90% Verified: 12/10/2025 Stable (90d) |
| Product Name | PNC High Yield Savings | High-Yield Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.6 | iOS1.5 Android1.6 |
| BBB Rating | A+ | A+ |
| Important Notes | Eligibility restricted to select states. | - |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | PNC | Sallie Mae Bank | |
|---|---|---|---|
| PNC High Yield Savings | Standard Savings | High-Yield Savings Account | |
Current APY | 3.53% | 0.03% | 3.90% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.8 | 0.2 | -0.0 |
Days Since Change | 27 | 223 | 280 |
9-Month High | 3.95% | 0.03% | 3.90% |
9-Month Low | 3.53% | 0.01% | 3.90% |
Adjustments / Mo | 0.32 | 0.11 | 0.00 |
Volatility Score | 0.038 | 0.305 | 0.000 |
How to read these metrics(Click to expand)
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