Axos Bank vs. PNC
Axos Bank's Axos ONE Savings pays 4.21% APY while PNC's PNC High Yield Savings pays 3.15% APY.
Note: Axos Bank's Axos ONE Savings also needs a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Axos Bank pays $106 more than PNC annually ($421 vs $315).
Choose Axos Bank if getting the best rate matters most. Choose PNC if you want a no-strings-attached account, you value in-person banking, or you want Zelle for quick transfers.
Important Considerations
Axos Bank's Axos ONE Savings pays its top rate only if you also open a checking account with Axos Bank, while PNC's PNC High Yield Savings stands alone.
| Metric | Axos BankAxos ONE Savings Sep 4, 2026 | PNCPNC High Yield Savings Sep 3, 2026 |
|---|---|---|
| APY | 3.50% - 4.21% | 3.15% |
Earns in a year | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$158 $10,000+$315 $25,000+$788 |
Min. Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | Eligibility restricted to select states. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking BundleDaily CompoundingStable Rate | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often |
Executive Summary
Axos Bank offers a superior APY of 4.21% with its Axos ONE Savings account, which is available when bundled with a checking account and requires either a direct deposit of $1,500 or qualifying monthly deposits of at least $5,000. For those seeking simplicity, the Summit Savings account provides a lower APY of 3.75% without any bundling or direct deposit requirements. In contrast, PNC's highest yield product, the PNC High Yield Savings, offers a 3.15% APY but is limited to select states and requires a minimum balance of $100. Overall, Axos Bank's offerings provide significantly higher returns compared to PNC.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Axos Bank?
- Access to 95,000 fee-free ATMs
- Higher potential APY (3.50%-4.21% vs 3.15%) on all balances
- Offers 3 different high-yield savings options
- Available Nationwide
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)
Key Feature Differences
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE Savings earns more on smaller deposits (approx. $421 vs $315/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE Savings pulls ahead with larger amounts (approx. $1053 vs $788/yr).
Better for Simplicity
Axos BankAxos Bank's Summit Savings offers 3.75% APY with no bundling, direct deposit requirement or caps.
Better for All-in-One Banking
Axos BankAxos Bank's Axos ONE Savings pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE Savings pays $106 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.
* Secure link to our partner
Non-sponsored link to official site
Top Market Contenders
Axos Bank vs. PNC Savings Calculator
You earn $106 more with Axos 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.
Axos Bank
Axos ONE Savings
Savings Breakdown
- Interest Earned+$421.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,421.00
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$315.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,315.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still at a large branch bank?
A typical branch-bank savings rate is 0.05% APY. On a $10,000 balance, the gap to these two banks is at least $310 a year in interest.
Both Axos Bank and PNC advertise far more than that typical branch-bank rate.
| Feature | Axos Bank | PNC |
|---|---|---|
| APY | 4.21% Range: 3.50% - 4.21% Observed: 9/4/2026 Stable over 90 days | 3.15% Observed: 9/3/2026 0.10%90-day change |
| Product Name | Axos ONE Savings | PNC High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $1 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Monthly |
| In-Branch Access | No | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | 3 (CA, NV, UT) | 2,419 (AL, AZ, CA, CO, DC, DE, FL, GA (+20 more)) |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Limit: $2,000/dayCentral to Virtual Wallet suite. |
| BBB Rating | A+ | A+ |
| Important Notes | The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | Eligibility restricted to select states. |
| Next Steps | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at PNC Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | PNC | |||
|---|---|---|---|---|---|
| Axos ONE Savings | Summit Savings | High Yield Savings | Standard Savings | PNC High Yield Savings | |
Current APY | 4.21% | 3.75% | 0.61% | 0.03% | 3.15% |
Trend | Stable | Stable | Stable | Stable | Stable |
Speed of change | -0.04 | -0.06 | -0.00 | 0.00 | -0.13 |
Days Since Change | 214 | 267 | 361 | 361 | 80 |
12-Month High | 4.51% | 4.00% | 0.61% | 0.03% | 3.95% |
12-Month Low | 4.21% | 3.75% | 0.61% | 0.03% | 3.15% |
Changes per month | 0.25 | 0.08 | 0.00 | 0.00 | 0.49 |
Steadiness | 0.023 | 0.030 | 0.000 | 0.000 | 0.068 |
How to read these metrics(Click to expand)
Trends and speed
- Trend: The general direction of the rate over the analyzed period. Useful for seeing whether a bank is raising its rate or letting it slip.
- Speed of change: How fast the rate moves. A high positive number means they raise rates quickly. A reading of 0.10 is a tenth of a percentage point each month.
- Changes per month: How often the rate moves. A high number means it changes constantly; a low number means it holds.
Risk & Range
- High/Low: The absolute ceiling and floor of the rate during the 364-day window.
- Steadiness: How far the rate swings around its average. A lower score means a steadier, more predictable rate.
- Days Since Change: A high number, for example above 90, means the rate rarely moves. A low number means it changed recently.
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Compare Axos Bank's APY of 4.21% with other banks
Compare PNC's APY of 3.15% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| PNC vs Ally Bank | 3.00% | $0 |
| PNC vs American Express | 3.00% | $0 |
| PNC vs Barclays | 3.65% | $0 |
| PNC vs Capital One | 3.50% | $0 |
| PNC vs Chime | 3.75% | $0 |
| PNC vs CIT Bank | 3.75% | $100 |
| PNC vs EverBank | 3.90% | $0 |
| PNC vs Marcus by Goldman Sachs | 3.40% | $0 |
| PNC vs Newtek Bank | 4.20% | $100 |
| PNC vs Openbank | 3.80% | $500 |
| PNC vs Pibank | 4.10% | $0 |
| PNC vs SoFi Bank | 4.00% | $0 |
| PNC vs Synchrony Bank | 3.30% | $0 |
| PNC vs Varo Bank | 3.75% | $0 |
| PNC vs Wealthfront | 3.95% | $0 |