PNC CD Rates and Terms: February 2026
Written by
Caitlyn Moorhead
Edited by
Elizabeth Constantineau, CFHC™
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PNC Bank offers different tiers of certificate of deposit (CD) rates. Though these rates are fixed throughout the term length of the CD, the more you put into the CD, the higher the annual percentage yield (APY) will be.
PNC CD Rates: Standard CDs
The table below shows standard fixed-rate PNC Bank CD terms currently available and the APY range depending on how much money you have deposited into your CD account.
| CD Term 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 CDs
Aside from the array of standard fixed-rate CDs PNC offers, it also has several promotional terms from which to choose. Keep in mind that these promotional CD terms are subject to change, and interest rates may vary by location.
| CD Term Length | APY |
|---|---|
| 4 months | 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 different types of CDs that accommodate different balances, term rates and flexibility.
Standard CDs
PNC Bank’s Standard CDs offer flexible terms ranging from a few months to several years, making them an excellent choice for savers with varying financial goals. These CDs typically come with competitive interest rates, which increase with longer terms, allowing you to grow your savings at a steady pace.
Jumbo CDs
Designed for those with larger deposits, PNC Bank’s jumbo CDs require a higher minimum investment, usually $100,000 or more. In return, these CDs often provide enhanced interest rates, making them an attractive option for individuals or businesses looking to maximize their returns on significant savings.
Ready Access CDs
If liquidity is a priority, PNC Bank’s Ready Access CDs allow you to withdraw funds without penalties before the term ends, offering more flexibility than traditional CDs. This feature makes them ideal for savers who want a mix of higher returns and the freedom to access their money if needed.
Fixed-Rate CDs
PNC Bank’s Fixed-Rate CDs lock in an interest rate for the entire term. These CDs are especially appealing to long-term planners who prefer a secure and consistent way to grow their savings, regardless of market fluctuations.
PNC CD Features: At a Glance
| Features | Key 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 accounts |
| Term lengths | Seven days to 10 years |
| Compounding frequency | Monthly |
| Early withdrawal penalties | – For terms of less than three months, you’ll be charged the equivalent of how much interest could have been earned to reach maturity. – For terms of three months to less than one year, the penalty is equal to three months’ worth of interest. – For terms of a year or longer, the penalty is equal to six months’ worth of interest. |
| Grace period after maturity for penalty-free withdrawal | – For terms of 31 days or less, the grace period is one day. – For terms of more than 31 days, the grace period is 10 days. |
Pros and Cons of PNC Bank CDs
Pros:
- High APYs on promotional CDs
- Wide range of CD terms available
- Online and in-branch access
Cons:
- $1,000 minimum deposit
- Automatic rollovers that may renew at a lower rate
- In-branch visit required to open a CD
How To Open a PNC Bank CD
Opening a CD at PNC Bank is fairly straightforward, 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 fits 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 with an initial deposit.
PNC CD Rates vs. Other Banks
Take a look at how PNC compares to other similar banks.
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
No monthly service fee
Early withdrawal penalty may apply
Early withdrawal penalty may apply
APY
APY
APY
Up to
Up to
Up to
Min Opening
Min Opening
Min Opening
$1,000
$0
$500
PNC Bank CD Rates vs. Alternatives
Before you sign up for a CD, make sure you consider other ways to grow your savings.
- High-yield savings accounts: If you value flexibility over fixed rates, a high-yield savings account might be a better fit, 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 higher interest? Money market accounts might offer a better balance compared to traditional CDs.
CD Laddering Strategy
Want consistent returns? A CD laddering strategy can help you maximize earnings while maintaining access to your money at regular intervals.
Is a PNC Bank CD Right for You?
Ideal for:
- Existing PNC customers — opening a new CD may be more convenient
- Those who like short-term CD term options with high yields
- Predictable, stable earnings from fixed-rate CDs
Not great for:
- Those who prefer to bank online exclusively
- Those who might find the $1,000 minimum deposit too high
- Those seeking the highest APY available
PNC CD Rates: Final Take
If you want to find the best rate at PNC Bank, always keep an eye out for promotional CD rates, terms and APYs, as these tend to be higher than the standard. The higher your balance is, the more you can stand to earn.
PNC Bank does have automatic rollovers on its CDs, so it’s best to keep an eye on that before the maturity date. You don’t want to roll over your CD if the APY isn’t as lucrative as your current one or if you want to access your funds before it gets locked away into a new term.
Knowing these can help you make the right choice when it comes to your PNC CD and making the money work hard for you.
PNC CD Rates FAQ
Here are answers to frequently asked questions about PNC CD rates.- What is the minimum deposit for a PNC Bank CD?
- You'll need at least a $1,000 minimum deposit for a PNC Bank CD.
- Do I need a PNC Bank account to open a CD?
- No, you don't need a PNC Bank account to open a CD, but it might be helpful if you are already a customer, as the process will be more convenient. You will need to visit a branch, however, to complete the application.
- Can I open a CD online?
- You can only open PNC Bank CDs at a branch.
- What happens if I withdraw before the term ends?
- You will need to pay early withdrawal penalties if you withdraw from your PNC Bank CD before the term ends.
- Are PNC Bank CD rates competitive in 2025?
- PNC Bank's promotional CD APYs can be fairly competitive, but in general, the standard CD APYs tend to fall a bit lower than the national average, and especially against competitors.
More on PNC Bank
- PNC Bank Review
- PNC Bank Hours and Holiday Schedule
- PNC Bank Promotions
- PNC Bank Savings Account Interest Rates
- PNC Bank Fees
Sarah Sharkey contributed to the reporting for this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 16, 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 entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
