Bank · FDIC insured
PNC CD Rates
PNC’s best CD rate is 4.25% APY on a 13-month CD. Terms run from 1 month to 10 years. Rates checked October 22, 2026.
How PNC’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where PNC has the most branches. $10,000, best rate first.
This bank’s best
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
Fixed Rate Certificate of Deposit (CD)
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
PNC CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo2.70%
- 31–60 months31–60 mo2.80%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where PNC ranks
By CD score, in each area where it has branches
- #29 of 140New York-Newark-Jersey City, NY-NJ metro125
- #26 of 101Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro119
- #25 of 112Chicago-Naperville-Elgin, IL-IN metro115
- #22 of 100Dallas-Fort Worth-Arlington, TX metro98
- #25 of 101Washington-Arlington-Alexandria, DC-VA-MD-WV metro96
- #8 of 80Pittsburgh, PA metro85
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Fixed Rate Certificate of Deposit (CD)
Up to 4.25%APY · 19 terms
A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
| Term | APY · Up to $1,000 | APY · $1,000 and up | APY · $1,000 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 1 monthRenewal Only. Standard rate | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 1 monthStandard rate | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $0 |
| 3 monthsRenewal Only. Standard rate | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 3 monthsStandard rate | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $0 |
| 4 monthsPromotional rate | — | 3.50% | — | — | 3.50% | $115 |
| 4 monthsRenewal Only. Promotional rate | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 6 monthsRenewal Only. Standard rate | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 6 monthsStandard rate | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $1 |
| 7 monthsPromotional rate | — | 4.00% | — | — | 4.00% | $231 |
| 7 monthsRenewal Only. Promotional rate | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 9 monthsPromotional rate | — | 2.25% | — | — | 2.25% | $168 |
| 9 monthsRenewal Only. Promotional rate | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 12 monthsRenewal Only. Standard rate | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 12 monthsStandard rate | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $2 |
| 13 monthsPromotional rate | — | 4.25% | — | — | 4.25% | $461 |
| 13 monthsRenewal Only. Promotional rate | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 18 monthsRenewal Only. Standard rate | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 18 monthsStandard rate | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $3 |
| 19 monthsPromotional rate | — | 2.50% | — | — | 2.50% | $399 |
| 19 monthsRenewal Only. Promotional rate | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 24 monthsRenewal Only. Standard rate | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 24 monthsStandard rate | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $4 |
| 25 monthsPromotional rate | — | 2.70% | — | — | 2.70% | $571 |
| 25 monthsRenewal Only. Promotional rate | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 36 monthsRenewal Only. Standard rate | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 36 monthsStandard rate | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $6 |
| 37 monthsPromotional rate | — | 2.80% | — | — | 2.80% | $889 |
| 37 monthsRenewal Only. Promotional rate | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 48 monthsRenewal Only. Standard rate | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 48 monthsStandard rate | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $8 |
| 60 monthsRenewal Only. Standard rate | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 60 monthsStandard rate | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $10 |
| 61 monthsPromotional rate | — | 3.00% | — | — | 3.00% | $1,621 |
| 61 monthsRenewal Only. Promotional rate | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 84 monthsRenewal Only. Standard rate | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 84 monthsStandard rate | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $14 |
| 120 monthsRenewal Only. Standard rate | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 120 monthsStandard rate | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $20 |
Sources (1)
- pnc.com/en/personal-banking/ba…ificate-of-deposits.html · captured Oct 22, 2026
Special-purpose accounts
Fixed Rate Certificate of Deposit: Individual Retirement Account (IRA CD)
Up to 4.25%APY · 16 terms
A minimum opening deposit of $250 is required for all IRA CD accounts. Penalty for early withdrawal. Annual custodian fee of $25 may be assessed if balance is less than $2000. Transfer fee of $25 may be assessed for each transfer of IRA funds outside of PNC Bank or PNC Wealth Management. Fees may reduce earnings. At the end of Promotional term, account will automatically convert to the standard Retirement CD term that is closest to but not greater than original CD term based on standard CD terms: 6, 12, 18, 24, 36, 60 month terms, at the applicable standard rate. The $1.00 - $999.99 tier is for Renewal Only.
| Term | APY · Up to $1,000 | APY · $1,000 and up | APY · $1,000 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsRenewal Only. Standard rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 6 monthsStandard rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $1 |
| 7 monthsPromotional rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | — | 4.00% | — | — | 4.00% | $231 |
| 7 monthsRenewal Only. Promotional rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 9 monthsPromotional rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | — | 2.25% | — | — | 2.25% | $168 |
| 9 monthsRenewal Only. Promotional rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 12 monthsRenewal Only. Standard rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 12 monthsStandard rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $2 |
| 13 monthsPromotional rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | — | 4.25% | — | — | 4.25% | $461 |
| 13 monthsRenewal Only. Promotional rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 17 monthsPromotional rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | — | 2.50% | — | — | 2.50% | $356 |
| 17 monthsRenewal Only. Promotional rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 18 monthsRenewal Only. Standard rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 18 monthsStandard rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $3 |
| 24 monthsRenewal Only. Standard rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 24 monthsStandard rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $4 |
| 25 monthsPromotional rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | — | 2.70% | — | — | 2.70% | $571 |
| 25 monthsRenewal Only. Promotional rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 36 monthsRenewal Only. Standard rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 36 monthsStandard rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $6 |
| 37 monthsPromotional rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | — | 2.80% | — | — | 2.80% | $889 |
| 37 monthsRenewal Only. Promotional rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 48 monthsRenewal Only. Standard rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 48 monthsStandard rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $8 |
| 60 monthsRenewal Only. Standard rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 60 monthsStandard rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $10 |
| 61 monthsPromotional rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | — | 3.00% | — | — | 3.00% | $1,621 |
| 61 monthsRenewal Only. Promotional rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 84 monthsRenewal Only. Standard rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 84 monthsStandard rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $14 |
| 120 monthsRenewal Only. Standard rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | 0.01% | — | — | — | —0.01% $1–$1000 | — |
| 120 monthsStandard rate. Annual custodian fee of $25 may be assessed if balance is less than $2000 | — | — | 0.02% | 0.03% | 0.02%0.03% from $25k | $20 |
Sources (1)
- pnc.com/en/personal-banking/ba…-retirement-account.html · captured Oct 22, 2026
Opening an account
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