High-Yield Savings Account Comparison

PNC vs. TD Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl

Updated December 10, 2025

PNC

PNC High Yield Savings

3.53%

APY

Dec 10, 2025

FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	Monthly
Direct Deposit	Not required
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
Deposit Insurance	FDIC Insured(Cert: 6384)
Eligibility	AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY
Mobile Ratings	iOS:4.9 Android:4.6
BBB Rating	A+(Not BBB Accredited)

Important Note

Eligibility restricted to select states.

Rate Stability

30 days

↘︎ 0.17%

90 days

↘︎ 0.42%

Read Bank Overview

TD Bank

TD Signature Savings

Up to

2.75%

APY

Dec 10, 2025

FDIC InsuredHigh MinimumChecking BundleGreat iOS AppGreat Android AppIn-Person Access

Range: 0.05% – 2.75%

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$100,000
Maintenance Fee	$10. Waived under some circumstances.
Compound Freq	Monthly
Direct Deposit	Not required
Branch Access	Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC
Deposit Insurance	FDIC Insured(Cert: 33947)
Eligibility	United States
Mobile Ratings	iOS:4.8 Android:4.0
BBB Rating	Not Rated(Not BBB Accredited)

Important Note

This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY.

Rate Stability

Rate Adjusted

-0.25%

Since 90 days ago

Read Bank Overview

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.

See Top Rates

PNC vs. TD Bank Savings Calculator

Calculations based on current APY for PNC High Yield Savings and TD Signature Savings

Initial Deposit

Recurring Deposit

Frequency

Duration

PNC earns $2,104.6 more than TD Bank.

PNC

PNC High Yield Savings

3.53% APY

Savings Breakdown

Interest Earned
+$2,133.20(10.6%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,133.20

Effective APY

3.53%

View Details

TD Bank

TD Signature Savings

2.75% APY

Higher APY requires $100,000

Savings Breakdown

Interest Earned
+$28.60(0.2%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$18,028.60

Effective APY

0.05%

View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing PNC vs. TD Bank

Updated: Dec 10, 2025

Why PNC?

✓Higher potential APY (3.53% vs 2.75%) on all balances
✓No checking account or direct deposit required
✓Higher rated Android app (4.6 vs 4.0)

Why TD Bank?

✓Available Nationwide

— Key Feature Differences —

Better Returns at $10,000

PNC

PNC's PNC High Yield Savings earns more on smaller deposits (approx. $353 vs $0/yr).

Better Returns at $25,000

PNC

PNC's PNC High Yield Savings pulls ahead with larger amounts (approx. $883 vs $0/yr).

Best for Simplicity

PNC

PNC's PNC High Yield Savings offers 3.53% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Both banks have options with $0 opening deposit Available to New & Existing Customers

The Bottom Line on APY (Interest Only)

Over a 1-year period, PNC's PNC High Yield Savings pays $348 more interest on a $10,000 balance than TD Bank's TD Signature Savings.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

TD BankPNC

Automated Data Audit

Executive Summary

PNC offers a competitive High Yield Savings account with an APY of 3.53%, significantly higher than TD Bank's Signature Savings, which has a maximum APY of 2.75% contingent on a minimum balance of $100,000. PNC's account has no minimum balance requirement and does not necessitate direct deposit, making it accessible to a broader audience, although eligibility is restricted to select states. In contrast, TD Bank's account is tiered and requires linking to an eligible TD account to achieve the higher rate, with a potential low yield of 0.05% for lower balances. Overall, PNC's High Yield Savings is the more attractive option 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.

ExplorePNC ExploreTD Bank

Stop Losing Interest

See who beats both PNC and TD Bank.

Compare All High-Yield Savings Accounts

Pibank

Pibank Savings

FDIC InsuredNo Minimums

4.60% APY

+1.07% vs PNC

Better Rate

Pibank vs PNC Pibank vs TD Bank

Axos Bank

Axos ONE

FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

4.31% APY

+0.78% vs PNC

Better Rate

Axos Bank vs PNC Axos Bank vs TD Bank

TIMBR

Premium Savings Account

FDIC InsuredLow Minimums

4.40% APY

+0.87% vs PNC

Better Rate

TIMBR vs PNC TIMBR vs TD Bank

Feature	PNC	TD Bank
APY	3.53% Verified: 12/10/2025 ↘︎ 0.42%90d Change	2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change
Product Name	PNC High Yield Savings	TD Signature Savings
Minimum Deposit	$0	$0
Min. Balance for APY	$0	$100,000
Monthly Fee	$0	$10. Waived under some circumstances.
Branch Access	Yes	Yes
Account Type	Online & Branches	Online & Branches
Direct Deposit Req.	None	None
Checking Bundle	No	Yes
Mobile Apps	iOS4.9 Android4.6	iOS4.8 Android4.0
BBB Rating	A+	Not Rated
Important Notes	Eligibility restricted to select states.	This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY.
Next Steps	- View Details	- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 9 Months Analysis

Metric	PNC		TD Bank
	PNC High Yield Savings	Standard Savings	TD Signature Savings
Current APYMost recent advertised annual-percentage yield.	3.53%	0.03%	2.75%
TrendDirection over the last 9 months (regression slope).	Stable	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	-3.7	0.2	-8.1
Days Since ChangeRecency of the latest APY adjustment.	27	223	68
9-Month HighHighest APY in the last 282 days.	3.95%	0.03%	3.51%
9-Month LowLowest APY in the last 282 days.	3.53%	0.01%	2.75%
Adjustments / MoTypical number of APY moves per month.	0.32	0.11	0.32
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.038	0.308	0.077

How to read these metrics(Click to expand)

Trends & Velocity

Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

High/Low: The absolute ceiling and floor of the rate during the 282-day window.
Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

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More Comparisons

Compare PNC's APY of 3.53% with other banks

Bank Pair	Competitor APY	Min Deposit
PNC vs Affirm	3.60%	$0
PNC vs Ally Bank	3.30%	$0
PNC vs American Express	3.40%	$0
PNC vs Axos Bank	4.31%	$0
PNC vs Bank of America	0.01%	$100
PNC vs Barclays	4.00%	$0
PNC vs Bask Bank	3.90%	$0
PNC vs Betterment	3.50%	$10
PNC vs BMO Alto	3.25%	$0
PNC vs Bread Savings	4.10%	$100
PNC vs BrioDirect	4.00%	$5,000
PNC vs Capital One	3.40%	$0
PNC vs Charles Schwab Bank	0.15%	$0
PNC vs Chase Bank	0.01%	$0
PNC vs Chime	3.50%	$0
PNC vs CIT Bank	3.75%	$100
PNC vs Citibank	3.30%	$0
PNC vs Citizens Access™	3.15%	$0.01
PNC vs Climate First Bank	4.21%	$50
PNC vs Discover Bank	3.40%	$0
PNC vs E*TRADE from Morgan Stanley	3.75%	$0
PNC vs Elevault	4.08%	$0
PNC vs EverBank	4.05%	$0
PNC vs Fitness Bank	4.75%	$100
PNC vs FNBO Direct	3.00%	$1
PNC vs Forbright Bank	4.00%	$0
PNC vs FVCbank	3.85%	$500
PNC vs GO2bank	4.50%	$0
PNC vs Ivy Bank	4.25%	$2,500
PNC vs LendingClub	4.20%	$0
PNC vs Marcus by Goldman Sachs	3.65%	$0
PNC vs Neighbors Bank	4.30%	$0
PNC vs Newtek Bank	4.35%	$0.01
PNC vs Openbank	4.20%	$500
PNC vs Peak Bank	4.20%	$100
PNC vs Pibank	4.60%	$0
PNC vs Presidential Bank	4.00%	$5,000
PNC vs Quontic Bank	3.75%	$100
PNC vs Salem Five Direct	3.71%	$10
PNC vs Sallie Mae Bank	3.90%	$0
PNC vs Santander Bank	0.01%	$25
PNC vs SoFi Bank	4.30%	$0
PNC vs Synchrony Bank	3.65%	$0
PNC vs TIMBR	4.40%	$1,000
PNC vs UFB Direct	3.71%	$5000
PNC vs Upgrade	3.05%	$0
PNC vs Valley Direct	4.10%	$1,000
PNC vs Varo Bank	5.00%	$0
PNC vs Vio Bank	4.16%	$100
PNC vs Wealthfront	4.15%	$0
PNC vs Wells Fargo	0.05%	$25
PNC vs Zynlo Bank	4.05%	$10

Compare TD Bank's APY of 2.75% with other banks

Bank Pair	Competitor APY	Min Deposit
TD Bank vs Affirm	3.60%	$0
TD Bank vs Ally Bank	3.30%	$0
TD Bank vs American Express	3.40%	$0
TD Bank vs Axos Bank	4.31%	$0
TD Bank vs Bank of America	0.01%	$100
TD Bank vs Barclays	4.00%	$0
TD Bank vs Bask Bank	3.90%	$0
TD Bank vs Betterment	3.50%	$10
TD Bank vs BMO Alto	3.25%	$0
TD Bank vs Bread Savings	4.10%	$100
TD Bank vs BrioDirect	4.00%	$5,000
TD Bank vs Capital One	3.40%	$0
TD Bank vs Charles Schwab Bank	0.15%	$0
TD Bank vs Chase Bank	0.01%	$0
TD Bank vs Chime	3.50%	$0
TD Bank vs CIT Bank	3.75%	$100
TD Bank vs Citibank	3.30%	$0
TD Bank vs Citizens Access™	3.15%	$0.01
TD Bank vs Climate First Bank	4.21%	$50
TD Bank vs Discover Bank	3.40%	$0
TD Bank vs E*TRADE from Morgan Stanley	3.75%	$0
TD Bank vs Elevault	4.08%	$0
TD Bank vs EverBank	4.05%	$0
TD Bank vs Fitness Bank	4.75%	$100
TD Bank vs FNBO Direct	3.00%	$1
TD Bank vs Forbright Bank	4.00%	$0
TD Bank vs FVCbank	3.85%	$500
TD Bank vs GO2bank	4.50%	$0
TD Bank vs Ivy Bank	4.25%	$2,500
TD Bank vs LendingClub	4.20%	$0
TD Bank vs Marcus by Goldman Sachs	3.65%	$0
TD Bank vs Neighbors Bank	4.30%	$0
TD Bank vs Newtek Bank	4.35%	$0.01
TD Bank vs Openbank	4.20%	$500
TD Bank vs Peak Bank	4.20%	$100
TD Bank vs Pibank	4.60%	$0
TD Bank vs Presidential Bank	4.00%	$5,000
TD Bank vs Quontic Bank	3.75%	$100
TD Bank vs Salem Five Direct	3.71%	$10
TD Bank vs Sallie Mae Bank	3.90%	$0
TD Bank vs Santander Bank	0.01%	$25
TD Bank vs SoFi Bank	4.30%	$0
TD Bank vs Synchrony Bank	3.65%	$0
TD Bank vs TIMBR	4.40%	$1,000
TD Bank vs UFB Direct	3.71%	$5000
TD Bank vs Upgrade	3.05%	$0
TD Bank vs Valley Direct	4.10%	$1,000
TD Bank vs Varo Bank	5.00%	$0
TD Bank vs Vio Bank	4.16%	$100
TD Bank vs Wealthfront	4.15%	$0
TD Bank vs Wells Fargo	0.05%	$25
TD Bank vs Zynlo Bank	4.05%	$10