PNC Bank Savings Rate Audit
A top 10 US bank. Standard Savings pays 0.04% APY. The best high-yield savings accounts pay 4.20% APY — a 1.05% point gap that costs real money every year.
Data as of October 7, 2026
Annual Cost of Staying at PNC Bank
| Balance | PNC Bank Earns | Best HYSA Earns | You Lose |
|---|---|---|---|
| $10,000 | $315 | $420 | $105/yr |
| $25,000 | $788 | $1,050 | $262/yr |
| $50,000 | $1,575 | $2,100 | $525/yr |
| $100,000 | $3,150 | $4,200 | $1,050/yr |
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Open Rate Gap Calculator →Frequently Asked Questions
What APY does PNC Bank pay on savings?
PNC Bank currently pays 3.15% APY on standard savings accounts, as of August 22, 2026. This is significantly below the best available high-yield savings rates of 4.20% APY.
How much am I losing at PNC Bank?
On a $25,000 balance, the gap between PNC Bank (3.15%) and the best HYSA (4.20%) costs you approximately $263 per year in foregone interest.