PNC High Yield Savings

PNC High Yield Savings is the online savings account from PNC Bank. PNC's page title advertises 3.15% APY, and its description says no minimum balance or service fees. PNC shows no 'as of' date for the rate, and on our read on October 14, 2026 the visible page for the detected location said the product was not available in that area. Availability is the main asterisk. PNC states that product and feature availability varies by location, and the rate depends on your ZIP code. Enter your ZIP code during the application and you will either see the offer or you will not. If you already bank at a PNC branch, do not assume you can convert your existing savings to this account. The account itself is simple: deposits are FDIC insured up to $250,000 per depositor, per ownership category (PNC Bank, National Association, Member FDIC). PNC also offers checking products and a Standard Savings account. Standard Savings is a separate product that lists a $0 minimum deposit to open online; that figure does not apply to High Yield Savings, and PNC's page does not state a minimum opening deposit for it. On rate, the figure to know is 3.15% APY, variable, as advertised in the page title. Because PNC states no date, check the rate shown for your ZIP code at application before relying on it. Get it if your ZIP code is eligible and you want your savings at PNC. Skip it if PNC does not offer the product where you live.