PNC vs. Synchrony Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | PNCPNC High Yield Savings Jan 7, 2026 | Synchrony BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.30% | 3.65% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | Eligibility restricted to select states. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
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 PNC vs. Synchrony Bank
As of PNC offers an APY of 3.30% for its PNC High Yield Savings account, with a minimum balance of $0, compared to Synchrony Bank's 3.65% APY for its High Yield Savings account, with a minimum balance of $0.
Synchrony Bank pays $35 more than PNC on a $10,000 balance after one year. PNC pays $330, while Synchrony Bank pays $365 - an APY advantage for Synchrony Bank.
In addition, PNC also offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
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)
Why Synchrony Bank?
- ✓Higher potential APY (3.65% vs 3.30%) on all balances
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
Synchrony BankSynchrony Bank's High Yield Savings earns more on smaller deposits (approx. $365 vs $330/yr).
Better Returns at $25,000
Synchrony BankSynchrony Bank's High Yield Savings pulls ahead with larger amounts (approx. $912 vs $825/yr).
Best for Simplicity
Synchrony BankSynchrony Bank's High Yield Savings offers 3.65% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Synchrony Bank's High Yield Savings pays $35 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
Synchrony Bank offers a High Yield Savings account with a competitive APY of 3.65%, making it the clear winner in this comparison. This account is online-only and requires no minimum deposit or maintenance fees, providing a straightforward savings option. In contrast, PNC's High Yield Savings account yields a lower APY of 3.30% and is only available to residents in select states. While PNC does offer a Standard Savings account with a 0.03% APY, it pales in comparison to Synchrony's offering. Overall, Synchrony Bank's account is ideal for those seeking higher returns without complex requirements.
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
PNC vs. Synchrony Bank Savings Calculator
You earn $35 more with Synchrony 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.
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
Synchrony Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | PNC | Synchrony Bank |
|---|---|---|
| APY | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change | 3.65% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | PNC High Yield Savings | High Yield Savings |
| 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 | iOS4.8 Android4.4 |
| Zelle® Support | Available Limit: $2,000/dayCentral to Virtual Wallet suite. | Not Supported |
| BBB Rating | A+ | Not Rated |
| Important Notes | Eligibility restricted to select states. | - |
| Next Steps | Visit SiteVerify at PNC Non-sponsored link to official site | Visit SiteVerify at Synchrony Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | PNC | Synchrony Bank | |
|---|---|---|---|
| PNC High Yield Savings | Standard Savings | High Yield Savings | |
Current APY | 3.30% | 0.03% | 3.65% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -5.6 | 0.2 | -3.6 |
Days Since Change | 21 | 251 | 50 |
10-Month High | 3.95% | 0.03% | 4.00% |
10-Month Low | 3.30% | 0.01% | 3.65% |
Adjustments / Mo | 0.39 | 0.10 | 0.19 |
Volatility Score | 0.057 | 0.286 | 0.032 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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