What are PNC Bank's current CD rates?

PNC's rate pages load rates dynamically and we could not read them on October 25, 2026, so we do not list any. PNC's CD page says it offers a variety of terms including promotional rates. Check the rate for your term on pnc.com or at a branch before opening.

What is the minimum deposit for a PNC CD?

PNC's CD page lists $1,000 as the minimum to open, with terms from 7 days to 10 years. FDIC insurance covers up to $250,000 per depositor, per ownership category.

What is the early withdrawal penalty on a PNC CD?

PNC's CD page says early withdrawal penalties apply to a balance withdrawn before maturity but does not give the amount there. Read the account terms for your CD before opening.

What happens when a PNC CD matures?

PNC's CD page says automatic renewal is built in. The page does not state the renewal rate or grace period, so confirm both in your account terms and watch your maturity date.

Should I open a CD at PNC or an online bank?

Compare PNC's rate for your term with online banks such as Marcus before you decide; the section below shows a dated Marcus rate. Discover Bank no longer operates as an independent CD provider; its consumer banking business merged into Capital One in 2025.

PNC Bank CD Rates 2026 — Terms, Minimums and What to Check

PNC Bank sells Fixed Rate CDs with terms from 7 days to 10 years and a $1,000 minimum to open, and its page says the choices include promotional rates. PNC’s rate pages load rates dynamically, so we could not read APYs when we checked on October 25, 2026, and this page does not list any. Check the rate for your term on pnc.com before opening.

PNC CD Basics

Feature	What PNC’s page says
Minimum to open	$1,000
Terms	7 days to 10 years
Rate	Fixed for your term; PNC lists a variety of terms including promotional rates
Renewal	Automatic renewal
Early withdrawal	Penalties apply to a balance withdrawn before maturity
Insurance	FDIC insured to the maximum permitted by law

Source: PNC’s certificate of deposit page. The page gives no penalty amount, renewal rate or grace period.

Promotional CDs

PNC says its terms include promotional rates, which are set for particular terms. Compare the specific term you want rather than a single headline rate, and read the renewal terms before you open. A CD that renews automatically may renew at a different rate than the one it opened at.

PNC CD vs. an Online Bank

For scale, Marcus listed 4.40% APY on a 12-month CD (October 15, 2026); a year’s interest is roughly your balance times the APY. The FDIC’s national average 12-month CD rate was 1.76% as of October 19, 2026. Compare these with the rate PNC shows for your term.

Where Discover CDs Went

Discover’s consumer banking business, including its CD products, merged into Capital One in 2025. If you already hold a Discover CD, it is now serviced under Capital One. New CD shoppers should compare Capital One’s CDs directly.

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

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