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PNC Bank offers different levels of certificate of deposit (CD) rates. Although these rates are fixed throughout the life of the CD, the more you put into the CD, the higher the annual percentage yield (APY).
PNC CD Rates: Standard CD
The table below shows the currently available standard fixed rate PNC Bank CD terms and APY ranges depending on how much money you deposit into your CD account.
| CD duration length | APY |
|---|---|
| 1 month | To |
| 3 months | To |
| 6 months | To |
| 12 months | To |
| 18 months | To |
| 24 months | To |
| 36 months | To |
| 48 months | To |
| 60 months | To |
| 84 months | To |
| 120 months | To |
PNC CD Rates: Promotional CD
In addition to the standard fixed-rate CD PNC offers, it also has a number of promotional terms to choose from. Keep in mind that these promotional CD terms are subject to change, and interest rates may vary by location.
| CD duration length | APY |
|---|---|
| 4 month | To |
| 7 months | To |
| 9 months | To |
| 13 months | To |
| 19 months | To |
| 25 months | To |
| 37 months | To |
| 61 months | To |
Types of CDs Offered by PNC Bank
PNC offers a variety of CDs that accommodate different balances, term rates and flexibilities.
standard cd
PNC Bank’s standard CDs offer flexible terms ranging from a few months to several years, making them an excellent choice for savers with different financial goals. These CDs typically come with competitive interest rates that increase with longer terms, allowing you to grow your savings at a steady pace.
jumbo cd
Designed for people with larger deposits, PNC Bank’s Jumbo CD requires a higher minimum investment, typically $100,000 or more. In turn, these CDs often offer increased interest rates, making them an attractive option for individuals or businesses who want to maximize their returns on significant savings.
ready access cd
If liquidity is a priority, PNC Bank’s Ready Access CD allows you to withdraw funds without penalty before the term ends, providing more flexibility than traditional CDs. This feature makes them ideal for savers who want a mix of high returns and the freedom to access their money when they need it.
fixed rate cd
PNC Bank fixed rate CDs lock in the interest rate for the entire term. These CDs are especially attractive to long-term planners who prefer a safe and consistent way to grow their savings regardless of market fluctuations.
PNC CD Features: At a Glance
| features | Main details |
|---|---|
| minimum deposit | – $1,000 for fixed rate CDs – $250 for fixed rate IRA CDs – The $1 to $999.99 tier is for customers who are renewing their account |
| length of period | From seven days to 10 years |
| compound frequency | Monthly |
| penalty for early withdrawal | – For terms of less than three months, you will be charged equal to the interest earned till it reaches maturity. -For period from three months to less than one year the penalty is equal to three months’ interest. – For terms of one year or more, the penalty is equivalent to six months’ interest. |
| Grace period after maturity for penalty-free withdrawal | – For terms of 31 days or less, the grace period is one day. – For terms longer than 31 days, the grace period is 10 days. |
Advantages and Disadvantages of PNC Bank CDs
professional:
- High APY on promotional CDs
- Wide range of CD terms available
- Online and branch access
Shortcoming:
- $1,000 minimum deposit
- Automatic rollovers that can renew at a lower rate
- To open a CD it is necessary to visit the branch
How to Open a PNC Bank CD
Opening a CD at PNC Bank is quite simple, whether you are already a customer or want to become a new one. In general, you can follow these few simple steps to get started:
- Choose the type of CD that best suits your needs based on term length or desirable APY.
- Make an appointment to apply for your preferred CD account at a PNC branch.
- Fund the account from the initial deposit.
PNC CD Rates vs. Other Banks
Take a look at how PNC compares to other similar banks.
No monthly service fee
Early withdrawal may attract penalty
Early withdrawal may attract penalty
minimum opening
minimum opening
minimum opening
PNC Bank CD Rates vs Options
Before you sign up for a CD, make sure you consider other ways to grow your savings.
| Account | Description |
|---|---|
| High-Yield Savings Account | If you value flexibility over fixed rates, a high-yield savings account may be better, offering easy access to your funds while earning competitive interest. |
| treasury bills and bonds | For those seeking the security of government-backed investments, Treasury bills and bonds can provide peace of mind with reliable returns |
| money market accounts | Looking for a mix of liquidity and high interest? Money market accounts can offer better balances than traditional CDs |
cd laddering strategy
Do you want consistent returns? A CD laddering strategy can help you maximize earnings while maintaining access to your money at regular intervals.
Is the PNC Bank CD Right for You?
Ideal for:
- Existing PNC customers – opening a new CD may be more convenient
- Those who prefer short-term CD term options with higher yields
- Predictable, stable income from fixed-rate CDs
Not great for:
- People who prefer to bank exclusively online
- Those who may find the $1,000 minimum deposit too high
- Those who want the highest APY available
PNC CD Rates: Final Take
If you want to get the best rate at PNC Bank, always keep an eye on promotional CD rates, terms and APYs, as these tend to be higher than standard. The higher your balance, the more you can earn.
PNC Bank CDs have automatic rollovers, so it’s best to keep an eye on them before the maturity date. You may not want to rollover your CD if the APY is not as attractive as your current one or if you want to gain access to your funds before locking in a new period.
Knowing these can help you make the right choice when it comes to your PNC CD and take the hard work out of your life.
PNC CD Rates FAQ
Here are answers to frequently asked questions about PNC CD rates.- What is the minimum deposit for PNC Bank CD?
- You’ll need a minimum deposit of at least $1,000 for a PNC Bank CD.
- Do I need a PNC Bank account to open a CD?
- No, you do not need a PNC Bank account to open a CD, but it may help if you are already a customer, as the process will be more convenient. However, you will need to visit a branch to complete the application.
- Can I open a CD online?
- You can open a PNC Bank CD at only one branch.
- What happens if I withdraw before the period ends?
- If you withdraw from your PNC Bank CD before the term ends, you will pay an early withdrawal penalty.
- Are PNC Bank CD Rates Competitive in 2026?
- PNC Bank’s promotional CD APYs can be quite competitive, but in general, standard CD APYs are a bit lower than the national average and especially at competitors.
More information on PNC Bank
Sarah Sharkey contributed reporting to this article.
Rates are subject to change; Unless otherwise noted, rates are updated periodically. All other information on the accounts is accurate as of March 20, 2026.
Rates may vary by region. To verify rates in your area, check the bank’s website for details.
Editorial note: This content is not provided by any of the entities involved in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are solely those of the author and have not been reviewed, approved or otherwise endorsed by any entity named in this article.