PNC vs. Valley Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | PNCPNC High Yield Savings Jan 7, 2026 | Valley DirectHigh-Yield Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.30% | 3.40% - 4.00% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$200 $10,000+$400 $25,000+$1,000 |
Min Deposit | $0 | $1,000 |
Snapshot view. Rates subject to change. | ||
Terms | Eligibility restricted to select states. | Promo rate for new customers. 3.40% APY applies to existing customers. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredLow 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.
Comparison Analysis
Comparing PNC vs. Valley Direct
As of PNC offers an APY of 3.30% for its PNC High Yield Savings account, with a minimum balance of $0, compared to Valley Direct's 4.00% APY for its High-Yield Savings Account, with a minimum balance of $0.01.
Valley Direct pays $70 more than PNC on a $10,000 balance after one year. PNC pays $330, while Valley Direct pays $400 - an APY advantage for Valley Direct.
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)
- ✓Available to New & Existing Customers
Why Valley Direct?
- ✓Higher potential APY (4.00% vs 3.30%) on all balances
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
Valley DirectValley Direct's High-Yield Savings Account earns more on smaller deposits (approx. $400 vs $330/yr).
Better Returns at $25,000
Valley DirectValley Direct's High-Yield Savings Account pulls ahead with larger amounts (approx. $1000 vs $825/yr).
Best for Simplicity
Valley DirectValley Direct's High-Yield Savings Account offers 4.00% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period (factoring in a 12-month promo), Valley Direct's High-Yield Savings Account pays $70 more interest on a $10,000 balance than PNC's PNC High Yield Savings.
*Valley Direct's calculation includes their 12-month introductory promotional rate and subsequent standard rate.
Executive Summary as of
Valley Direct offers a High-Yield Savings Account with a competitive APY of 4.00%, significantly higher than PNC's High Yield Savings at 3.30%. While PNC's account has no minimum deposit requirement, Valley Direct requires a minimum deposit of $1,000. However, the Valley Direct account is only available to new customers, with existing customers receiving a lower rate of 3.40%. Both accounts have no maintenance fees and are FDIC insured. For those eligible, Valley Direct's account provides better returns, especially for larger deposits.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
PNC vs. Valley Direct Savings Calculator
You earn $70 more with Valley Direct 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
Valley Direct
High-Yield Savings Account
Promo Rate: 4.00% for 12 months, then 3.40%.
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | PNC | Valley Direct |
|---|---|---|
| APY | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change | 4.00% Range: 3.40% - 4.00% Verified: 1/7/2026 ↘︎ 0.10%90d Change |
| Product Name | PNC High Yield Savings | High-Yield Savings Account |
| Minimum Deposit | $0 | $1,000 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.6 | iOS4.8 Android4.6 |
| Zelle® Support | Available Limit: $2,000/dayCentral to Virtual Wallet suite. | Available Allows Zelle directly on HYSA. |
| BBB Rating | A+ | A+ |
| Important Notes | Eligibility restricted to select states. | Promo rate for new customers. 3.40% APY applies to existing customers. |
| Next Steps | Visit SiteVerify at PNC Non-sponsored link to official site | Visit SiteVerify at Valley Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | PNC | Valley Direct | |
|---|---|---|---|
| PNC High Yield Savings | Standard Savings | High-Yield Savings Account | |
Current APY | 3.30% | 0.03% | 4.00% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -5.6 | 0.2 | -3.1 |
Days Since Change | 21 | 251 | 26 |
10-Month High | 3.95% | 0.03% | 4.40% |
10-Month Low | 3.30% | 0.01% | 4.00% |
Adjustments / Mo | 0.39 | 0.10 | 0.68 |
Volatility Score | 0.057 | 0.286 | 0.029 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare PNC vs...
Comparing against Standard Savings
Compare Valley Direct vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.