PNC Bank CD Rates (2026): Up to 4.25% APY
PNC's best CD rates on October 21, 2026 were 4.25% APY for 13 months and 4.00% for 7 months, with a $1,000 minimum (ZIP 15222, Pittsburgh; for new CDs, fixed once opened). Its other terms paid 2.25% to 3.50%. These are promotional terms that convert to a standard CD at the standard rate when they mature, and PNC doesn't publish those standard rates or its early withdrawal penalty on its site.
By Wealthy Pot Editorial · Facts checked October 21, 2026
Facts checked October 21, 2026 against PNC Bank's own CD rate page and deposit agreement (3 sources, listed below). We re-check prices about once a month. We do not earn a commission from PNC.
PNC Bank at a glance
| CD rates (APY, $1,000+) | 4 months 3.50%, 7 months 4.00%, 9 months 2.25%, 13 months 4.25%, 19 months 2.50%, 25 months 2.70%, 37 months 2.80%, 61 months 3.00%; accurate as of October 21, 2026 (ZIP 15222); for new CDs, fixed once opened [1] |
|---|---|
| Minimum deposit | $1,000 for all CDs (a $1 to $999.99 tier exists for renewals only) [1] |
| At maturity | Converts to the standard term closest to but not longer than the original (3, 6, 12, 18, 24, 36 or 60 months) at that term's standard rate; PNC's rate page does not list standard rates [1] |
| Withdrawals | Early withdrawal penalties apply; no partial withdrawals; no penalty-free withdrawals in the first seven days [1] |
| Early withdrawal penalty amount | Not published on PNC's CD pages [2] |
| Rates by location | Rates are set by location; we read them for ZIP 15222 (Allegheny County, Pennsylvania) [1] |
| FDIC-insured bank | PNC Bank, National Association (FDIC certificate 6384) [3] |
PNC Bank in official federal data
Rate compared with the national average
PNC Bank's 1-year CD APY of 4.25% (as of October 21, 2026) is about 2.4 times the FDIC's national average for 12-month CDs, 1.76% (as of October 19, 2026). On $10,000 kept for a year, that is about $425 in interest against $176 at the national average, before tax; a CD locks its rate for the term, while the national average is for CDs opened that month.
Who holds your money
- Deposits are held by PNC Bank, National Association, FDIC certificate #6384, based in Wilmington, DE, established January 1, 1804 according to the FDIC.
- FDIC insurance covers up to $250,000 per depositor, per insured bank, for each account ownership category. Money held at the same bank under another brand name counts toward the same limit.
- Size: $458 billion in deposits and $610 billion in total assets (June 30, 2026 call report). Primary federal regulator: Office of the Comptroller of the Currency.
Customer complaints filed with the CFPB
From October 2025 through September 2026, consumers sent the Consumer Financial Protection Bureau 2,203 complaints about checking or savings accounts at PNC Bank N.A., about 4.81 per $1 billion of deposits; the company responded on time to 100%. Complaint counts grow with the number of customers and cover the whole company, including checking accounts, and the CFPB does not verify each complaint, so treat them as a rough signal. Read the complaints.
Sources: FDIC BankFind (certificate, deposits and assets), FDIC national deposit rates (October 19, 2026), CFPB Consumer Complaint Database (product "Checking or savings account"). Updated monthly.
How PNC Bank works
PNC sells fixed-rate CDs in eight promotional terms from 4 to 61 months, all with a $1,000 minimum. The 13-month and 7-month terms paid the most; the 9-month and 19-month terms paid much less, so check the whole list before you pick. Rates come from PNC's Interest Rate Center for your ZIP code. The federal-data block on this page compares them with FDIC national averages and shows PNC's CFPB complaint count.
When a promotional CD matures, it converts to the standard term closest to but not longer than the original, at the standard rate for that term: a 13-month CD becomes a 12-month CD, for example. PNC's rate page doesn't list standard rates, so ask a banker or watch for the maturity notice. A hypothetical: $10,000 in the 13-month CD at 4.25% APY earns about $461.22 over the term (our arithmetic, assuming interest stays in the CD); after that, the rate is whatever the standard 12-month rate is then.
You can't take out part of the balance, and early withdrawals cost a penalty that PNC's CD pages don't quantify. If you might need the money before maturity, ask for the penalty in writing first or consider a no-penalty CD. See our CD calculator and CD ladder guide for planning.
Pros
- 13-month CD at 4.25% and 7-month at 4.00%
- $1,000 minimum on every term
- Eight terms from 4 to 61 months
- Branches across its footprint
Cons
- 9- and 19-month terms paid only 2.25% and 2.50%
- Converts to a standard CD at an unpublished standard rate at maturity
- Penalty amount not published; no partial withdrawals
- Rates depend on your location
Who PNC Bank fits, and who should skip it
A good fit if
- You live near PNC and want 4.25% for 13 months or 4.00% for 7 months.
- You have $1,000 or more and want your CD at a big branch bank.
- You already bank with PNC and want everything in one place.
Look elsewhere if
- You want to know the penalty before you open: Wells Fargo and Bank of America publish theirs.
- You want a no-penalty CD: Marcus has 7-, 11- and 13-month no-penalty CDs.
- You want a 2- to 5-year rate: Barclays pays 4.75% on 24 and 60 months.
Limitations to know
- No partial withdrawals are permitted, and there are no penalty-free withdrawals in the first seven days. [1]
- The $1 to $999.99 balance tier pays 0.01% and is for renewals only. [1]
- Promotional rates apply to the first term only. [1]
PNC Bank compared with alternatives
| Bank | 6-month | 1-year | 3-year | 5-year | Minimum |
|---|---|---|---|---|---|
| PNC Bank | 4.00% (7 mo) | 4.25% (13 mo) | 2.80% (37 mo) | 3.00% (61 mo) | $1,000 |
| Marcus by Goldman Sachs | 3.95% | 4.40% | 4.40% | 4.40% | $500 |
| Wells Fargo | 0.05% | 1.50% | n/a | n/a | $2,500 ($5,000 for specials) |
| U.S. Bank | 3.25% (CD Special) | 3.40% (CD Special) | 0.10% | 0.25% | $1,000 ($500 Standard CD) |
| Barclays | 4.00% | 4.50% | 4.50% | 4.75% | $0 |
- Pick Marcus by Goldman Sachs if you want 4.40% from 1 to 6 years and a no-penalty CD.
- Pick Wells Fargo if you want an 11-month special and a published penalty schedule.
- Pick U.S. Bank if you don't have a U.S. Bank CD and want 3.50% for 9 months.
- Pick Barclays if you want 4.75% on a 2- or 5-year CD with no minimum.
Security and privacy
- CDs are deposits of PNC Bank, National Association, an FDIC-insured bank (certificate 6384). FDIC insurance covers $250,000 per depositor, per bank, per ownership category. [3]
Recent changes
| Date | What changed |
|---|---|
| Oct 21, 2026 | Rates for ZIP 15222: 13 months 4.25%, 7 months 4.00%, 4 months 3.50%, 61 months 3.00% APY. [1] |
PNC Bank FAQ
What are PNC CD rates today?
On October 21, 2026 (ZIP 15222), PNC paid 3.50% APY for 4 months, 4.00% for 7, 2.25% for 9, 4.25% for 13, 2.50% for 19, 2.70% for 25, 2.80% for 37 and 3.00% for 61 months, on balances of $1,000 or more. Compare on our <a href="/cd-rates/">CD rates page</a>.
What is the minimum deposit for a PNC CD?
$1,000 for all CD terms.
What happens when a PNC CD matures?
It converts to the standard term closest to but not longer than the original (for example, 13 months becomes 12 months) at the standard rate for that term.
What is the penalty for withdrawing a PNC CD early?
PNC says early withdrawal penalties apply and that partial withdrawals aren't allowed, but its CD pages don't list the amount. Ask PNC for the penalty before you open a CD.
Is PNC FDIC insured?
Yes. PNC Bank, National Association is FDIC-insured, and CDs are covered up to $250,000 per depositor, per bank, per ownership category.
How we researched this review
We did not get paid for this page. On October 21, 2026 we read PNC Bank's own CD rate page, deposit account agreement and disclosures, quoted each fact and link every one below. FDIC and CFPB figures come straight from the agencies' public data. Penalty examples are our arithmetic on the bank's stated formula. CD rates for new accounts change often; we re-check them about once a month.
Sources
- PNC, Interest Rate Center: Fixed Rate Certificate of Deposit (ZIP 15222, accurate as of October 21, 2026), checked October 21, 2026.
- PNC, CD accounts, checked October 21, 2026.
- FDIC BankFind, PNC Bank, National Association (certificate 6384), checked October 21, 2026.
This review is for general information, not financial advice. CD rates for new accounts change often; the rate is fixed only once you open the CD. Confirm the current rate with the bank.