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Chase vs PNC CD Rates (November 2026)
On a 1-year CD, $10,000 earns $48.00 more at Chase than at PNC. The full term-by-term breakdown is below.
Updated Nov 7, 2026
The verdict: Chase vs PNC
Chase pays the higher APY on 10 of the 15 terms both banks offer for a $10,000 deposit, with 1 tie. PNC leads on 4.
At the headline 1 year term, Chase pays 0.50% APY against 0.02% at PNC, a $48.00 difference on $10,000. Each bank's best offer right now: Chase pays up to 3.50% (8 months, relationship) and PNC up to 4.25% (13 months).
The rate is only half the decision. Chase and PNC charge different penalties if you break the CD early — compared below — and Both are federally insured up to $250,000 per depositor, so safety is equal under the limit.
Chase vs PNC CD rates by term
Best APY a $10,000 deposit can open at each bank, for every term either bank lists. A dash means the bank has no fundable offer at that term and deposit; we leave it blank rather than guess. "Rel." marks a relationship rate that needs a linked account.
| Term | Chase | PNC | Better pick |
|---|---|---|---|
| 1 month | 0.02% (rel.) | 0.02% | Tie |
| 2 months | 0.50% (rel.) | – | – |
| 3 months | 0.50% (rel.) | 0.02% | Chase |
| 4 months | 1.75% (rel.) | 3.50% | PNC |
| 5 months | 0.50% (rel.) | – | – |
| 6 months | 2.25% (rel.) | 0.02% | Chase |
| 7 months | 2.25% (rel.) | 4.00% | PNC |
| 8 months | 3.50% (rel.) | – | – |
| 9 months | 0.50% (rel.) | 2.25% | PNC |
| 10 months | 1.50% (rel.) | – | – |
| 11 months | 2.50% (rel.) | – | – |
| 1 year | 0.50% (rel.) | 0.02% | Chase |
| 13 months | 3.20% (rel.) | 4.25% | PNC |
| 14 months | 0.50% (rel.) | – | – |
| 15 months | 2.00% (rel.) | – | – |
| 18 months | 2.00% (rel.) | 0.02% | Chase |
| 19 months | – | 2.50% | – |
| 21 months | 2.00% (rel.) | – | – |
| 2 years | 2.00% (rel.) | 0.02% | Chase |
| 25 months | – | 2.70% | – |
| 30 months | 2.00% (rel.) | – | – |
| 3 years | 2.00% (rel.) | 0.02% | Chase |
| 37 months | – | 2.80% | – |
| 42 months | 2.00% (rel.) | – | – |
| 4 years | 2.00% (rel.) | 0.02% | Chase |
| 5 years | 2.00% (rel.) | 0.02% | Chase |
| 61 months | – | 3.00% | – |
| 7 years | 2.00% (rel.) | 0.02% | Chase |
| 10 years | 2.00% (rel.) | 0.02% | Chase |
Sources: Chase CD rates (checked Nov 7, 2026) and PNC CD rates (checked Nov 7, 2026).
What $10,000 earns at each bank
Interest over the full term at the rates above, on the 15 terms both banks offer.
| Term | Chase earns | PNC earns | Difference |
|---|---|---|---|
| 1 month | $0.17 at 0.02% | $0.17 at 0.02% | Tie |
| 3 months | $12.48 at 0.50% | $0.50 at 0.02% | Chase +$11.98 |
| 4 months | $58.00 at 1.75% | $115.33 at 3.50% | PNC +$57.34 |
| 6 months | $111.87 at 2.25% | $1.00 at 0.02% | Chase +$110.87 |
| 7 months | $130.64 at 2.25% | $231.42 at 4.00% | PNC +$100.78 |
| 9 months | $37.48 at 0.50% | $168.28 at 2.25% | PNC +$130.80 |
| 1 year | $50.00 at 0.50% | $2.00 at 0.02% | Chase +$48.00 |
| 13 months | $347.12 at 3.20% | $461.22 at 4.25% | PNC +$114.10 |
| 18 months | $301.50 at 2.00% | $3.00 at 0.02% | Chase +$298.49 |
| 2 years | $404.00 at 2.00% | $4.00 at 0.02% | Chase +$400.00 |
| 3 years | $612.08 at 2.00% | $6.00 at 0.02% | Chase +$606.08 |
| 4 years | $824.32 at 2.00% | $8.00 at 0.02% | Chase +$816.32 |
| 5 years | $1,040.81 at 2.00% | $10.00 at 0.02% | Chase +$1,030.80 |
| 7 years | $1,486.86 at 2.00% | $14.01 at 0.02% | Chase +$1,472.85 |
| 10 years | $2,189.94 at 2.00% | $20.02 at 0.02% | Chase +$2,169.93 |
a 1-year CD earnings by deposit size
Balance tiers mean the APY can change with the deposit. This is what 1 year CDs pay at four deposit sizes.
| Deposit | Chase earns | PNC earns |
|---|---|---|
| $1,000 | $5.00 at 0.50% | $0.20 at 0.02% |
| $10,000 | $50.00 at 0.50% | $2.00 at 0.02% |
| $25,000 | $125.00 at 0.50% | $5.00 at 0.02% |
| $100,000 | $500.00 at 0.50% | $20.00 at 0.02% |
A dash means that deposit does not qualify for the bank's 1 year offer (minimum opening deposit or a product cap).
Early withdrawal penalties compared
| Term | Chase | PNC |
|---|---|---|
| Less than 6 months | 90 days of interest | – |
| 6 to 23 months | 180 days of interest | – |
| 24 months or more | 365 days of interest | – |
| Less than 3 months | – | all interest earned |
| 3 months to less than 1 year | – | 3 months of interest |
| 1 year or more | – | 6 months of interest |
Example: break a 1-year $10,000 CD after 6 months and Chase charges $24.60 (you keep $10,000.37) while PNC charges $1.00 (you keep $10,000.00). Chase caps the penalty at the interest earned. At PNC the penalty can reach your principal.
Rules verified against each bank's disclosure (Chase: checked 2026-11-04; PNC: checked 2026-11-06). Model your own deposit and withdrawal date on the CD early withdrawal penalty calculator.
Chase vs PNC CD FAQs
Quick answers comparing Chase and PNC CDs.
Which pays more, Chase or PNC?
How much more does $10,000 earn at Chase over 1 year?
Chase or PNC: which is better for a 10-year CD?
Which has the lower early withdrawal penalty, Chase or PNC?
Are Chase and PNC CDs insured?
Are these the best CD rates available?
Sources and how we calculate
Rates come from each bank's own rate page (Chase checked Nov 7, 2026, PNC checked Nov 7, 2026); penalty rules are verified against the banks' disclosures. Earnings grow the deposit at the APY, the same math the bank pages and calculators on this site use. Results are estimates, not an offer from either bank.
Figures last checked on Nov 7, 2026. Read our calculation methodology for data sources and update schedule.