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Marcos Cabello is a banking writer at Bankrate, where he’s dedicated to helping readers make the best decisions about their finances. Previously, Marcos wrote about money for CNET and NextAdvisor, running the gamut of personal finance topics including U.S. economic policy and cryptocurrency.
Matthew Goldberg is a consumer banking reporter at Bankrate where he uses his more than 13 years of financial services experience to help inform readers about their important personal finance decisions.
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PNC Bank offers CDs with 11 standard terms and a few promotional terms, giving customers a lot of flexibility to meet their short- and long-term savings goals. Though PNC Bank offers tiered rates for higher balances, its yields can be beat by almost any online bank.
PNC Bank earned 3.7 stars out of 5 for its CDs and an overall rating of 4.0 stars out of 5 in Bankrate’s analysis.
PNC CD rates
Here’s a closer look at the fixed-rate CDs that PNC offers. Rates vary by location. The rates listed below are for New York City. The $1-$999.99 tier is only for renewal.
1-month CD
Account
Term
APY
Balance required to earn interest
Fixed Rate CD
1 month
0.01%
$1-$999.99
Fixed rate CD
1 month
0.02%
$1,000-$24,999.99
Fixed rate CD
1 month
0.03%
$25,000 and more
3-month CDs
Account
Term
APY
Balance required to earn interest
Fixed Rate CD
3 months
0.01%
$1-$999.99
Fixed Rate CD
3 months
0.02%
$1,000-$24,999.99
Fixed Rate CD
3 months
0.03%
$25,000 and more
6-month CDs
Account
Term
APY
Balance required to earn interest
Fixed Rate CD
6 months
0.01%
$1.00-$999.99
Fixed Rate CD
6 months
0.02%
$1,000-$24,999.99
Fixed Rate CD
6 months
0.03%
$25,000 and more
1-year CDs
Account
Term
APY
Balance required to earn interest
Fixed Rate CD
1 year
0.01%
$1-$999.99
Fixed Rate CD
1 year
0.02%
$1,000-$24,999.99
Fixed Rate CD
1 year
0.03%
$25,000 and more
18-month CDs
Account
Term
APY
Balance required to earn interest
Fixed Rate CD
18 months
0.01%
$1-$999.99
Fixed Rate CD
18 months
0.02%
$1,000-$24,999.99
Fixed Rate CD
18 months
0.03%
$25,000 and more
2-year CDs
Account
Term
APY
Balance required to earn interest
Fixed Rate CD
2 years
0.01%
$1-$999.99
Fixed Rate CD
2 years
0.02%
$1,000-$24,999.99
Fixed Rate CD
2 years
0.03%
$25,000 and more
3-year CDs
Account
Term
APY
Balance required to earn interest
Fixed Rate CD
3 years
0.01%
$1-$999.99
Fixed Rate CD
3 years
0.02%
$1,000-$24,999.99
Fixed Rate CD
3 years
0.03%
$25,000 and more
4-year CDs
Account
Term
APY
Balance required to earn interest
Fixed Rate CD
4 years
0.01%
$1-$999.99
Fixed Rate CD
4 years
0.02%
$1,000-$24,999.99
Fixed Rate CD
4 years
0.03%
$25,000 and more
5-year CDs
Account
Term
APY
Balance required to earn interest
Fixed Rate CD
5 years
0.01%
$1-$999.99
Fixed Rate CD
5 years
0.02%
$1,000-$24,999.99
Fixed Rate CD
5 years
0.03%
$25,000 and more
7-year CDs
Account
Term
APY
Balance required to earn interest
Fixed Rate CD
7 years
0.01%
$1-$999.99
Fixed Rate CD
7 years
0.02%
$1,000-$24,999.99
Fixed Rate CD
7 years
0.03%
$25,000 and more
10-year CDs
Account
Term
APY
Balance required to earn interest
Fixed Rate CD
10 years
0.01%
$1-$999.99
Fixed Rate CD
10 years
0.02%
$1,000-$24,999.99
Fixed Rate CD
10 years
0.03%
$25,000 and more
Note: Annual percentage yields (APYs) shown are as of April 12, and may vary by region for some products.
PNC also offers several promotional-rate CDs. The highest promotional rate offered is 5.05 percent APY on a four-month CD with a balance of at least $1,000.
How PNC’s CD rates compare with top-yielding banks
PNC offers a large selection of CD terms, but they pay low yields. You can find higher rates on one-year CDs at many online banks, including:
Be sure to compare CD rates at several banks before deciding where to put your money to help you lock in the highest returns and meet your financial goals faster. Minimum deposit requirements vary from bank to bank, so review the account agreement to avoid any unwanted penalties or fees.
Marcos Cabello is a banking writer at Bankrate, where he’s dedicated to helping readers make the best decisions about their finances. Previously, Marcos wrote about money for CNET and NextAdvisor, running the gamut of personal finance topics including U.S. economic policy and cryptocurrency.
Matthew Goldberg is a consumer banking reporter at Bankrate where he uses his more than 13 years of financial services experience to help inform readers about their important personal finance decisions.
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