APY Ledger

PNC Bank CD Rates — October 2026

Also known as PNC.

As of October 22, 2026, PNC Bank's best CD rate for ZIP 10001 (New York, NY) is 4.25% APY on a 13-month promotional CD ($1,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). The best rate was 4.25% APY in all 3 ZIP codes checked. Standard CD rates are 0.02%–0.03% APY in every ZIP we checked.

Last verified from www.pnc.com · FDIC-insured bank · Wilmington, DE

Tracking began .

Best APY (ZIP 15222)4.25%13 months, $1,000 min
vs. Treasury−0.35%same-term Treasury 4.60%
vs. national average2.4×FDIC national average 1.76%
After inflation0.51%CPI 3.7% year over year
$10,000 earns$461over 13 months, before tax

Rates by location

PNC Bank prices some CDs by ZIP code. We check one ZIP in each state where it has branches.

Best PNC Bank CD rate by ZIP code
LocationZIPBest termBest APY
New York, NY1000113 months4.25%
Pittsburgh, PA1522213 months4.25%
Houston, TX7700213 months4.25%

PNC Bank CD rates in Pittsburgh, PA

Standard and promotional personal CD quotes are specific to the ZIP codes checked. Balance tiers offered only for renewals are excluded.

PNC Bank CD rates for ZIP 15222
TermProductMinimumAPYvs. Treasury
1 month PNC Fixed Rate CD $25,000 0.03%Verified October 22, 2026 −4.10%
1 month PNC Fixed Rate CD $1,000 0.02%Verified October 22, 2026 −4.11%
3 months PNC Fixed Rate CD $25,000 0.03%Verified October 22, 2026 −4.26%
3 months PNC Fixed Rate CD $1,000 0.02%Verified October 22, 2026 −4.28%
4 months Fixed Rate CD Promotional $1,000 3.50%Verified October 22, 2026 −0.89%
6 months PNC Fixed Rate CD $25,000 0.03%Verified October 22, 2026 −4.37%
6 months PNC Fixed Rate CD $1,000 0.02%Verified October 22, 2026 −4.38%
7 months Fixed Rate CD Promotional $1,000 4.00%Verified October 22, 2026 −0.43%
9 months Fixed Rate CD Promotional $1,000 2.25%Verified October 22, 2026 −2.23%
12 months PNC Fixed Rate CD $25,000 0.03%Verified October 22, 2026 −4.54%
12 months PNC Fixed Rate CD $1,000 0.02%Verified October 22, 2026 −4.55%
13 months Fixed Rate CD Promotional $1,000 4.25%Verified October 22, 2026 −0.35%
18 months PNC Fixed Rate CD $25,000 0.03%Verified October 22, 2026 −4.69%
18 months PNC Fixed Rate CD $1,000 0.02%Verified October 22, 2026 −4.70%
19 months Fixed Rate CD Promotional $1,000 2.50%Verified October 22, 2026 −2.24%
24 months PNC Fixed Rate CD $25,000 0.03%Verified October 22, 2026 −4.84%
24 months PNC Fixed Rate CD $1,000 0.02%Verified October 22, 2026 −4.85%
25 months Fixed Rate CD Promotional $1,000 2.70%Verified October 22, 2026 −2.17%
36 months PNC Fixed Rate CD $25,000 0.03%Verified October 22, 2026 −4.92%
36 months PNC Fixed Rate CD $1,000 0.02%Verified October 22, 2026 −4.93%
37 months Fixed Rate CD Promotional $1,000 2.80%Verified October 22, 2026 −2.15%
48 months PNC Fixed Rate CD $25,000 0.03%Verified October 22, 2026 −4.95%
48 months PNC Fixed Rate CD $1,000 0.02%Verified October 22, 2026 −4.96%
60 months PNC Fixed Rate CD $25,000 0.03%Verified October 22, 2026 −4.98%
60 months PNC Fixed Rate CD $1,000 0.02%Verified October 22, 2026 −4.99%
61 months Fixed Rate CD Promotional $1,000 3.00%Verified October 22, 2026 −2.01%
84 months PNC Fixed Rate CD $25,000 0.03%Verified October 22, 2026 −5.06%
84 months PNC Fixed Rate CD $1,000 0.02%Verified October 22, 2026 −5.07%
120 months PNC Fixed Rate CD $25,000 0.03%Verified October 22, 2026 −5.17%
120 months PNC Fixed Rate CD $1,000 0.02%Verified October 22, 2026 −5.18%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

Rates that are the same in every ZIP

22 of PNC Bank's CD rates were identical in all 3 ZIP codes we checked, ranging from 0.02% to 0.03% APY.

Watch the renewal rate

The best promotional rate here is 4.25% APY (13 months). The standard rate for a similar term is 0.03% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $422 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal

What are PNC Bank's best CD rates by term?

PNC Bank's best rate for ZIP 15222 is 4.25% APY on 13 months, verified October 22, 2026.

  1. 1 mo0.03%
  2. 3 mo0.03%
  3. 4 mo3.50%
  4. 6 mo0.03%
  5. 7 mo4.00%
  6. 9 mo2.25%
  7. 12 mo0.03%
  8. 13 mo4.25%
  9. 18 mo0.03%
  10. 19 mo2.50%
  11. 24 mo0.03%
  12. 25 mo2.70%
  13. 36 mo0.03%
  14. 37 mo2.80%
  15. 48 mo0.03%
  16. 60 mo0.03%
  17. 61 mo3.00%
  18. 84 mo0.03%
  19. 120 mo0.03%

Calculate earnings at 4.25% for 13 months

How much interest could a PNC Bank CD earn?

Estimated interest at maturity for the displayed ZIP 15222 quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term$5,000$10,000$25,000$50,000
3 months$0.250.02% APY · PNC Fixed Rate CD · Standard$0.500.02% APY · PNC Fixed Rate CD · Standard$1.870.03% APY · PNC Fixed Rate CD · Standard$3.740.03% APY · PNC Fixed Rate CD · Standard
6 months$0.500.02% APY · PNC Fixed Rate CD · Standard$1.000.02% APY · PNC Fixed Rate CD · Standard$3.760.03% APY · PNC Fixed Rate CD · Standard$7.520.03% APY · PNC Fixed Rate CD · Standard
9 months$84.222.25% APY · Fixed Rate CD · Promotional$168.432.25% APY · Fixed Rate CD · Promotional$421.092.25% APY · Fixed Rate CD · Promotional$842.172.25% APY · Fixed Rate CD · Promotional
12 months$1.000.02% APY · PNC Fixed Rate CD · Standard$2.000.02% APY · PNC Fixed Rate CD · Standard$7.500.03% APY · PNC Fixed Rate CD · Standard$15.000.03% APY · PNC Fixed Rate CD · Standard
13 months$230.364.25% APY · Fixed Rate CD · Promotional$460.724.25% APY · Fixed Rate CD · Promotional$1,151.814.25% APY · Fixed Rate CD · Promotional$2,303.624.25% APY · Fixed Rate CD · Promotional
18 months$1.500.02% APY · PNC Fixed Rate CD · Standard$3.000.02% APY · PNC Fixed Rate CD · Standard$11.260.03% APY · PNC Fixed Rate CD · Standard$22.520.03% APY · PNC Fixed Rate CD · Standard
24 months$2.000.02% APY · PNC Fixed Rate CD · Standard$4.000.02% APY · PNC Fixed Rate CD · Standard$15.000.03% APY · PNC Fixed Rate CD · Standard$30.000.03% APY · PNC Fixed Rate CD · Standard
60 months$5.000.02% APY · PNC Fixed Rate CD · Standard$10.000.02% APY · PNC Fixed Rate CD · Standard$37.520.03% APY · PNC Fixed Rate CD · Standard$75.050.03% APY · PNC Fixed Rate CD · Standard

How PNC Bank compares

Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 395-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 7 of 22 tracked institutions with fresh 395-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

PNC Bank CD rate comparison
Institution / benchmarkTermMinimumQuote coverageAPYVerified / source date
PNC Bank (this institution)Fixed Rate CD · Promotional13 months$1,000 Pittsburgh, PA · ZIP 152224.25%October 22, 2026
CIBC Bank USA (CIBC Agility) (highest tracked APY for this term)CIBC Agility™ Certificate of Deposit (CD) · Standard13 months$1,000 Nationwide; check eligibility4.50%October 22, 2026
Sallie Mae BankCertificate of Deposit (CD) · Standard13 months$2,500 Nationwide; check eligibility4.50%October 22, 2026
Synchrony BankCD · Standard13 monthsNot stated Nationwide; check eligibility4.40%October 22, 2026
Treasury (APY-equivalent)13 months (term-matched estimate)Depends on purchase methodFederal; interest exempt from state income tax4.60%2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking PNC Bank on October 22, 2026.

About PNC Bank

Legal name
PNC Bank, National Association
Regulator ID
FDIC 6384
Headquarters
Wilmington, DE
Available in
AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, KY, MA, MD, MI, MO, NC, NJ, NM, NY, OH, PA, SC, TN, TX, VA, WI, WV
Total assets
$609.8 billion
Also known as
PNC
Website
www.pnc.com

Source: rates read from https://www.pnc.com/en/personal-banking/banking/savings/certificate-of-deposits.html. See the page text we read.

Frequently asked questions

What is the highest CD rate at PNC Bank?

4.25% APY on a 13-month promotional CD for ZIP 10001, as of October 22, 2026.

What is the minimum deposit for a PNC Bank CD?

The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $25,000.

Do PNC Bank CD rates depend on where you live?

Rates may depend on location. The best rate was 4.25% APY in all 3 ZIP codes checked.

How does PNC Bank's best CD rate compare with Treasury yields?

4.25% APY is −0.35% versus the 13-month Treasury yield of 4.60% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.25% a good CD rate?

It is 2.4 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are PNC Bank CDs insured?

PNC Bank is an FDIC-insured bank (FDIC 6384). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check PNC Bank's rate page every day. The rates above were last verified on October 22, 2026.

More bank CD rates

Rates are copied from PNC Bank's website and may change at any time. Confirm terms, minimums and eligibility with PNC Bank before opening an account. This page is not financial advice.