PNC CD Rates (November 2026) & Calculator

PNC pays up to 4.25% APY on a 13-month CD. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.

Rates checked Nov 5, 2026FDIC cert #6384Rates for New York, NY (ZIP 10001)

PNC CD rates (Nov 5, 2026)

Every CD term PNC lists on its website, with what $10,000 earns over the full term. Rates are for New York, NY (ZIP 10001); PNC prices CDs by location, so check yours on its site.

PNC CD rates by term and balance
Term	Product	Minimum	APY	APY at $25,000+	$10,000 earns
1 month	PNC Fixed Rate CD	$1,000	0.02%	0.03%	$0.17
3 months	PNC Fixed Rate CD	$1,000	0.02%	0.03%	$0.50
4 months	PNC Fixed Rate CDSpecial	$1,000	3.50%	–	$115.33
6 months	PNC Fixed Rate CD	$1,000	0.02%	0.03%	$1.00
7 months	PNC Fixed Rate CDSpecial	$1,000	4.00%	–	$231.42
9 months	PNC Fixed Rate CDSpecial	$1,000	2.25%	–	$168.28
1 year	PNC Fixed Rate CD	$1,000	0.02%	0.03%	$2.00
13 months	PNC Fixed Rate CDSpecial	$1,000	4.25%	–	$461.22
18 months	PNC Fixed Rate CD	$1,000	0.02%	0.03%	$3.00
19 months	PNC Fixed Rate CDSpecial	$1,000	2.50%	–	$398.71
2 years	PNC Fixed Rate CD	$1,000	0.02%	0.03%	$4.00
25 months	PNC Fixed Rate CDSpecial	$1,000	2.70%	–	$570.73
3 years	PNC Fixed Rate CD	$1,000	0.02%	0.03%	$6.00
37 months	PNC Fixed Rate CDSpecial	$1,000	2.80%	–	$888.77
4 years	PNC Fixed Rate CD	$1,000	0.02%	0.03%	$8.00
5 years	PNC Fixed Rate CD	$1,000	0.02%	0.03%	$10.00
61 months	PNC Fixed Rate CDSpecial	$1,000	3.00%	–	$1,621.33
7 years	PNC Fixed Rate CD	$1,000	0.02%	0.03%	$14.01
10 years	PNC Fixed Rate CD	$1,000	0.02%	0.03%	$20.02

Special is a promotional rate. Relationship needs a linked account at PNC. A dash means the same APY as the opening balance. The highlighted row is PNC's top rate.

Source: PNC CD rates. Rates change often; confirm before you open an account.

PNC vs the national average

The FDIC national average is what banks and credit unions pay on average, weighted by deposits (Oct 19, 2026). The last column is the best rate among the 51 other banks we track for the same term.

PNC CD rates compared with the FDIC national average
Term	PNC	National avg	Best other bank
1 month	0.02%	0.23%	Western Alliance 0.90%
3 months	0.02%	1.14%	Popular Direct 4.30%
4 months	3.50%	1.14% (3 mo)	Atlantic Union 3.85%
6 months	0.02%	1.39%	Popular Direct 4.35%
7 months	4.00%	1.39% (6 mo)	Associated Bank 4.25%
9 months	2.25%	1.39% (6 mo)	Synchrony 4.50%
1 year	0.02%	1.76%	Popular Direct 4.60%
13 months	4.25%	1.76% (12 mo)	CIBC Agility 4.50%
18 months	0.02%	1.76% (12 mo)	Popular Direct 4.80%
19 months	2.50%	1.55% (24 mo)	Synchrony 4.50%
2 years	0.02%	1.55%	E*TRADE 4.80%
25 months	2.70%	1.55% (24 mo)	Fulton Bank 4.25%
3 years	0.02%	1.39%	Popular Direct 4.85%
37 months	2.80%	1.39% (36 mo)	–
4 years	0.02%	1.31%	Popular Direct 4.95%
5 years	0.02%	1.41%	Sallie Mae 5.00%
61 months	3.00%	1.41% (60 mo)	–
7 years	0.02%	1.41% (60 mo)	Navy Federal 3.85%
10 years	0.02%	1.41% (60 mo)	Chase 2.00% (relationship)

PNC CD early withdrawal penalty

PNC early withdrawal penalty by term
Term	Penalty
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: $10,000 in a 1-year CD at 0.02%, withdrawn after 6 months, has earned $1.00. The penalty is $1.00, so you would get $10,000.00.

The penalty can reach your principal if it is more than the interest earned. Official disclosure (checked 2026-11-06).

Taxes on PNC CD interest

CD interest is taxable as ordinary income, federally and in most states. You owe tax in the year the interest is credited or accrues, even if it stays in the CD until maturity. PNC sends Form 1099-INT when you earn $10 or more in a year. For example, the $461.22 that $10,000 earns over 13 months at 4.25% would cost about $101 in federal tax in the 22% bracket.

If you pay an early withdrawal penalty, it appears in box 2 of your 1099-INT and you can deduct it from your income, even if you don't itemize. CDs held in an IRA follow IRA tax rules instead. See IRS Publication 550.

How We Calculate & Keep This Accurate

Maturity value is your deposit grown at the APY for the term: A = P × (1 + APY)^(months ÷ 12). The APY for each term is the highest balance tier your deposit qualifies for. Early withdrawal penalties are charged as simple interest on the deposit at the CD's interest rate (the APY converted to its daily rate), following PNC's published rule for that term.

Rates come from PNC's own rate page. We use the APY Ledger dataset (CC BY 4.0) to spot rate changes, and we checked a sample of rates and the penalty rules against PNC's website and disclosures. Results are estimates, not an offer from the bank.

Primary Sources

Data & Freshness

Figures reflect 2026 tax-year data.

Last updated November 5, 2026 · Maintained by the Financial Calculator editorial team.

PNC CD FAQs

Quick answers about PNC CD rates and penalties.

What are PNC's CD rates today?

As of Nov 5, 2026, PNC's highest CD rate is 4.25% APY on the 13 months PNC Fixed Rate CD. The full list of terms and balance tiers is in the table above. Rates are shown for New York, NY (ZIP 10001) and can differ where you live.

How much will $10,000 earn in a 13-month PNC CD?

At 4.25% APY, $10,000 grows to $10,461.22 after 13 months, earning $461.22 in interest. Change the deposit or term in the calculator to see other amounts.

What is PNC's CD early withdrawal penalty?

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. If the penalty is more than the interest earned, the rest comes out of your principal.

Are PNC CDs insured?

PNC Bank, N.A. is FDIC-insured (FDIC certificate #6384), so deposits are covered up to $250,000 per depositor, per bank, per ownership category.

How do PNC's rates compare with the national average?

The FDIC's national average for a 12-month CD was 1.76% as of Oct 19, 2026. PNC pays 0.02% for 12 months. Its best rate, 4.25% for 13 months, is 2.49 points above the national average for that term.