PNC High-Yield Savings Account Interest Rates 2025: How They Compare

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PNC’s high-yield savings account, which is called “PNC High Yield Savings®,” earns a strong 3.95% annual percentage yield. It is not available nationwide.

The bank’s Virtual Wallet account, however, is offered to customers across its national footprint. Virtual Wallet is a combination checking and savings account — the savings portion is called Growth.

Here’s a look at how both savings accounts measure up.

PNC Bank savings rates and fees

» Find this month’s best savings account rates in Affimobfly’s list of best high-yield savings accounts

How PNC Bank compares to large banks

PNC is the seventh-largest bank in the U.S. by assets. Like other large banks, it tends to have monthly fees on some of its savings accounts.

But its high-yield savings option has no monthly fee and no minimum opening deposit requirement. And it earns an attractive 3.95% APY. To compare, savings accounts at some of the largest banks have yields close to 0%.

If PNC’s high-yield account is available in your market, it’s worth a look. (If not, consider some of the best savings accounts at other banks.)

PNC also has a Virtual Wallet account that combines different features: Spend, Reserve (another spending bucket for occasional expenses) and Growth (savings). Growth rates are generally above average (APY may vary by region), but not as good as PNC’s high-yield account rate.

» Learn more: Read Affimobfly’s PNC Bank review

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Forbright Bank Growth Savings

APY

4.25%Annual Percentage Yield (APY) is accurate as of 01/09/2025. APY may change at any time before or after the account is opened. Available only online.

Min. balance for APY

$0

Learn More

Member FDIC

Axos ONE® Savings

APY

4.66%The Axos ONE Savings account will earn a promotional rate of up to 4.66% APY for the statement cycle in which the requirements are met.

Min. balance for APY

$1,500

Learn More

Member FDIC

Varo Savings Account

APY

5.00%Annual Percentage Yield (APY) is accurate as of June 17th, 2025. Start earning 2.50% APY, then qualify to earn 5.00% APY on your balance up to $5,000.00 and 2.50% APY on balances over $5,000 next month by 1) Receiving direct deposit(s) totaling $1,000 or more; and 2) Ending the month with a positive balance in all your Varo Accounts. No fees, no minimums required. Rates subject to change at any time.

Min. balance for APY

$0

Learn More

Member FDIC

E*TRADE Premium Savings

APY

4.00%Annual Percentage Yield (APY) may change at any time and fees may reduce earnings. Please visit etrade.com/ratesheet for more information.

Min. balance for APY

$0

These cash accounts combine services and features similar to checking, savings and/or investment accounts in one product. Cash management accounts are typically offered by non-bank financial institutions.These cash accounts combine services and features similar to checking, savings and/or investment accounts in one product. Cash management accounts are typically offered by non-bank financial institutions.Learn More

on Wealthfront’s website

Wealthfront Cash Account

APY

4.00%

Min. balance for APY

$1

Learn More

on Betterment’s website

Betterment Cash Reserve – Paid non-client promotion

APY

4.50%*Current promotional rate; annual percentage yield (variable) is 4.00% as of 12/27/24, plus a .50% boost available as a special offer with qualifying deposit. Terms apply; if the base APY increases or decreases, you’ll get the .50% boost on the updated rate. Cash Reserve is only available to clients of Betterment LLC, which is not a bank; cash transfers to program banks (www.betterment.com/cash-portfolio) conducted through clients’ brokerage accounts at Betterment Securities. FDIC insurance is subject to certain conditions.

Min. balance for APY

$0

CDs (certificates of deposit) are a type of savings account with a fixed rate and term, and usually have higher interest rates than regular savings accounts.CDs (certificates of deposit) are a type of savings account with a fixed rate and term, and usually have higher interest rates than regular savings accounts.Read review

Marcus by Goldman Sachs High-Yield CD

APY

4.10%4.10% APY (annual percentage yield) as of 05/14/2025

Term

1 year

Read review

Bread Savings® CD

APY

4.45%All Bread Savings APYs are accurate as of 06/24/2025. APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings. To open a CD, a minimum of $1,500 is required and must be deposited in a single transaction. A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time. Rates are compared against competitor rates published by Affimobfly.com and the institutions themselves as of 06/24/2025. Affimobfly.com obtains the data from the various banks that it tracks and its accuracy cannot be guaranteed.

Term

6 months

Read review

Alliant Credit Union Certificate

APY

4.00%

Term

1 year

Learn More

Member FDIC

Discover® CD

APY

4.00%Annual Percentage Yield (APY) is accurate as of 06/26/2025

Term

1 year

Checking accounts are used for day-to-day cash deposits and withdrawals.Checking accounts are used for day-to-day cash deposits and withdrawals.Learn More

Member FDIC

Discover® Cashback Debit

APY

N/A

Monthly fee

$0

Learn More

Deposits are FDIC Insured

Chime® Checking Account

APY

N/A

Monthly fee

$0

Learn More

Member FDIC

Varo Bank Account

APY

N/A

Monthly fee

$0

Learn More

Member FDIC

E*TRADE Max-Rate Checking

APY

3.00%Annual Percentage Yield (APY). APY may change at any time and fees may reduce earnings. Please visit etrade.com/ratesheet for more information.

Monthly fee

$15

Money market accounts pay rates similar to savings accounts and have some checking features.Money market accounts pay rates similar to savings accounts and have some checking features.Learn More

Member FDIC

Discover® Money Market Account

APY

3.40%

Min. balance for APY

$0

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How much interest could you be earning? Find out with the calculator below. The higher the rate, the faster your money can grow.

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Investment details

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Monthly

Annually

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Forbright Bank Growth Savings

APY

4.25%Annual Percentage Yield (APY) is accurate as of 01/09/2025. APY may change at any time before or after the account is opened. Available only online.

Min. balance for APY

$0

Learn More

Member FDIC

Axos ONE® Savings

APY

4.66%The Axos ONE Savings account will earn a promotional rate of up to 4.66% APY for the statement cycle in which the requirements are met.

Min. balance for APY

$1,500

Learn More

Member FDIC

Varo Savings Account

APY

5.00%Annual Percentage Yield (APY) is accurate as of June 17th, 2025. Start earning 2.50% APY, then qualify to earn 5.00% APY on your balance up to $5,000.00 and 2.50% APY on balances over $5,000 next month by 1) Receiving direct deposit(s) totaling $1,000 or more; and 2) Ending the month with a positive balance in all your Varo Accounts. No fees, no minimums required. Rates subject to change at any time.

Min. balance for APY

$0

Learn More

Member FDIC

E*TRADE Premium Savings

APY

4.00%Annual Percentage Yield (APY) may change at any time and fees may reduce earnings. Please visit etrade.com/ratesheet for more information.

Min. balance for APY

$0

These cash accounts combine services and features similar to checking, savings and/or investment accounts in one product. Cash management accounts are typically offered by non-bank financial institutions.These cash accounts combine services and features similar to checking, savings and/or investment accounts in one product. Cash management accounts are typically offered by non-bank financial institutions.Learn More

on Wealthfront’s website

Wealthfront Cash Account

APY

4.00%

Min. balance for APY

$1

Learn More

on Betterment’s website

Betterment Cash Reserve – Paid non-client promotion

APY

4.50%*Current promotional rate; annual percentage yield (variable) is 4.00% as of 12/27/24, plus a .50% boost available as a special offer with qualifying deposit. Terms apply; if the base APY increases or decreases, you’ll get the .50% boost on the updated rate. Cash Reserve is only available to clients of Betterment LLC, which is not a bank; cash transfers to program banks (www.betterment.com/cash-portfolio) conducted through clients’ brokerage accounts at Betterment Securities. FDIC insurance is subject to certain conditions.

Min. balance for APY

$0

CDs (certificates of deposit) are a type of savings account with a fixed rate and term, and usually have higher interest rates than regular savings accounts.CDs (certificates of deposit) are a type of savings account with a fixed rate and term, and usually have higher interest rates than regular savings accounts.Read review

Marcus by Goldman Sachs High-Yield CD

APY

4.10%4.10% APY (annual percentage yield) as of 05/14/2025

Term

1 year

Read review

Bread Savings® CD

APY

4.45%All Bread Savings APYs are accurate as of 06/24/2025. APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings. To open a CD, a minimum of $1,500 is required and must be deposited in a single transaction. A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time. Rates are compared against competitor rates published by Affimobfly.com and the institutions themselves as of 06/24/2025. Affimobfly.com obtains the data from the various banks that it tracks and its accuracy cannot be guaranteed.

Term

6 months

Read review

Alliant Credit Union Certificate

APY

4.00%

Term

1 year

Learn More

Member FDIC

Discover® CD

APY

4.00%Annual Percentage Yield (APY) is accurate as of 06/26/2025

Term

1 year

Checking accounts are used for day-to-day cash deposits and withdrawals.Checking accounts are used for day-to-day cash deposits and withdrawals.Learn More

Member FDIC

Discover® Cashback Debit

APY

N/A

Monthly fee

$0

Learn More

Deposits are FDIC Insured

Chime® Checking Account

APY

N/A

Monthly fee

$0

Learn More

Member FDIC

Varo Bank Account

APY

N/A

Monthly fee

$0

Learn More

Member FDIC

E*TRADE Max-Rate Checking

APY

3.00%Annual Percentage Yield (APY). APY may change at any time and fees may reduce earnings. Please visit etrade.com/ratesheet for more information.

Monthly fee

$15

Money market accounts pay rates similar to savings accounts and have some checking features.Money market accounts pay rates similar to savings accounts and have some checking features.Learn More

Member FDIC

Discover® Money Market Account

APY

3.40%

Min. balance for APY

$0

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