Latest PNC Bank Interest Rates - September 2026

PNC Bank Interest Rates & Loan Products Overview

Quick Summary: Official retail interest rates and loan solutions offered nationwide by PNC Bank (PNC):

Key Benchmark & Deposit Rates:

• Reference Prime Rate: Stands at 6.75%, indexing variable-rate borrowing, credit cards, and lines of credit.
• Savings & CDs: Standard Virtual Wallet Savings accounts yield 0.01% APY, and standard Fixed Rate CDs earn 0.02% to 0.03% APY. PNC also provides promotional Fixed Rate CDs yielding up to 3.25% – 3.45% APY on select terms (such as 4-month and 7-month) with a $1,000 minimum deposit.

Consumer Loans & Retail Financing:

• Mortgage Loans: Standard 30-Year Fixed purchase rates start around 6.550% (approx. 6.650% APR), alongside 15-Year Fixed and 5/1 ARM programs with terms up to 30 years, no prepayment penalties, and community grant programs offering up to $15,000 in assistance for eligible borrowers.
• Auto Financing: Dealer auto purchase financing APRs start from 5.34% (including a 0.25% discount for automated payments from a PNC checking account) with terms up to 72 months.
• Personal Loans: Unsecured installment personal loans range from 6.99% to 25.29% APR for loan amounts from $5,000 to $35,000 across 12 to 60-month repayment terms (inclusive of auto-pay discount).
• Credit Cards: Consumer cards (e.g., PNC Cash Rewards Visa) offer 0% intro APR promotions followed by variable purchase APRs starting at 18.24% with a grace period of at least 21 days.

💡 Financial Tip: Rates, fees, and promotional CD availability vary depending on your zip code and existing PNC checking account relationship status. Check exact localized terms directly on PNC.com prior to applying.