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PNC Bank

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PNC Bank Rates & Review July 2026

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 20, 2026

You can compare PNC Bank rates to other rates in our database, including 12-month CD rates currently at 3.75%, 6-month CD rates at 1.50% and 3-month CD rates at 1.51%. Savings rates are at 0.20% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 5.78%. All these rates can be compared to PNC Bank rates. MonitorBankRates evaluates the financial stability of PNC Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.83%. Rates were last updated on 07/20/2026.

PNC Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at PNC Bank? Share your experience about PNC Bank by leaving a review below, or read customer reviews before you decide to use PNC Bank.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.83%

Excellent Higher than avg

PNC Bank, National Association

222 Delaware Ave
Wilmington, DE 19801

https://www.pnc.com

Current Rate Availability

We do not have PNC Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for PNC Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather PNC Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with PNC Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name PNC Bank

Bank Holding Company PNC FINL SERVICES GROUP INC

Address 222 Delaware Ave, Wilmington, DE 19801 · New Castle

Website https://www.pnc.com

FDIC Certificate # 6384

Established 01/01/1804

FDIC Insurance Date 01/01/1934

Domestic Offices 2,330

Total Branches 2,329

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.83%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1745%

Return on Equity (ROE) 14.1700%

Non-Performing Loans (NPL) 0.56%

Total Assets $568,338,163,000

Total Deposits $450,665,135,000

Equity Capital $59,441,103,000

Net Income $7,234,397,000

Headquarters Wilmington

Total Branches and Offices 2331

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

Billy

★★☆☆☆

June 25, 2026

Yesterday I got a notice in my email that my account at PNC was in low cash mode! What??? So I called them only to find out they closed my account! No warning no notification…. Nothing!! So now they sending me a check for what I had in my account. Well that’s just wonderful! So I don’t have a dam penny until I get this check that they sending me snail mail! (5 to 10 business days) I don’t have access to a penny of my money!! My son’s wedding is Saturday in South Carolina. So now I can’t even buy the gas to go to my son’s wedding !! And I’d been a Compass customer for over 23 years! This is the worst bank I’ve ever dealt with. Do yourself a favor! Stay away from PNC bank!!!

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Billy

★☆☆☆☆

June 25, 2026

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Billy

★★☆☆☆

June 25, 2026

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Want to discuss PNC Bank with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★☆☆☆☆

Total Reviews

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Frequently Asked Questions About PNC Bank

How many branches does PNC Bank operate?

PNC Bank currently maintains approximately 2,329 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, PNC Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, PNC Bank provides members with tools to manage their accounts and build a solid financial history.

Does PNC Bank offer online and mobile banking?

Most modern institutions like PNC Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pnc.com.