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Fixed Rate Certificate of Deposit Accounts

Select your own terms and enjoy the predictability of a fixed rate.

What is a Certificate of Deposit?

 CD accounts allow you to earn pre-determined interest returns for a set term. 

Get a Guaranteed Rate

Never mind what the market does. Because you commit to a specific term, your CD rate is locked in no matter what.

Watch Your Money Grow

Once you set up your CD with one of our bankers, you won’t have to worry about a thing until maturity.

FDIC Insured

PNC Bank is a member of the Federal Deposit Insurance Corporation (FDIC) and covers certain deposit products, including certificates of deposit.

Account Details

Benefits

  • Variety of terms available including promotional rates. Explore all rates and terms
  • Guaranteed fixed rate for your term.
  • Automatic renewal made simple and easy.
  • FDIC insured to the maximum permitted by law.[1]

Requirements

Minimum to open $1,000
Terms Range from 7 days to 10 years
Withdrawals / Penalties Early withdrawal penalties apply for balance withdrawn before maturity

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We're here to help

Interested in other CD options, an IRA Money Market, or have questions? 

Locate a Branch

Find a PNC location near you and stop by to see us.

Compare CD Rates

View all fixed and promotional terms to ensure your Certificate of Deposit account meets your needs.

Your Location:15222
Allegheny County,PA - 6/2/2026

TermBalance to Earn Interest[4]Jump to disclosure section for Legal footnote 4Interest RateAPY[2,3]Jump to disclosure section for Legal footnote 2,3
4 Month Fixed Term$1.00 - $999.990.01%0.01%
$1,000.00 and above3.25%3.30%
7 Month Fixed Term$1.00 - $999.990.01%0.01%
$1,000.00 and above3.45%3.50%
9 Month Fixed Term$1.00 - $999.990.01%0.01%
$1,000.00 and above0.05%0.05%
13 Month Fixed Term$1.00 - $999.990.01%0.01%
$1,000.00 and above1.98%2.00%
19 Month Fixed Term$1.00 - $999.990.01%0.01%
$1,000.00 and above2.08%2.10%
25 Month Fixed Term$1.00 - $999.990.01%0.01%
$1,000.00 and above2.18%2.20%
37 Month Fixed Term$1.00 - $999.990.01%0.01%
$1,000.00 and above2.38%2.40%
61 Month Fixed Term$1.00 - $999.990.01%0.01%
$1,000.00 and above2.57%2.60%

TermBalance to Earn Interest[4]Jump to disclosure section for Legal footnote 4Interest RateAPY[2,3]Jump to disclosure section for Legal footnote 2,3
1 Month$1.00 - $999.990.01%0.01%
$1,000.00 - $24,999.990.02%0.02%
$25,000.00 and above0.03%0.03%
3 Months$1.00 - $999.990.01%0.01%
$1,000.00 - $24,999.990.02%0.02%
$25,000.00 and above0.03%0.03%
6 Months$1.00 - $999.990.01%0.01%
$1,000.00 - $24,999.990.02%0.02%
$25,000.00 and above0.03%0.03%
12 Months$1.00 - $999.990.01%0.01%
$1,000.00 - $24,999.990.02%0.02%
$25,000.00 and above0.03%0.03%
18 Months$1.00 - $999.990.01%0.01%
$1,000.00 - $24,999.990.02%0.02%
$25,000.00 and above0.03%0.03%
24 Months$1.00 - $999.990.01%0.01%
$1,000.00 - $24,999.990.02%0.02%
$25,000.00 and above0.03%0.03%
36 Months$1.00 - $999.990.01%0.01%
$1,000.00 - $24,999.990.02%0.02%
$25,000.00 and above0.03%0.03%
48 Months$1.00 - $999.990.01%0.01%
$1,000.00 - $24,999.990.02%0.02%
$25,000.00 and above0.03%0.03%
60 Months$1.00 - $999.990.01%0.01%
$1,000.00 - $24,999.990.02%0.02%
$25,000.00 and above0.03%0.03%
84 Months$1.00 - $999.990.01%0.01%
$1,000.00 - $24,999.990.02%0.02%
$25,000.00 and above0.03%0.03%
120 Months$1.00 - $999.990.01%0.01%
$1,000.00 - $24,999.990.02%0.02%
$25,000.00 and above0.03%0.03%

Disclosures

  1. All rates and Annual Percentage Yields (APYs) are accurate as of 6/2/2026. Penalty for early withdrawal. Fees may reduce earnings.
  2. At the end of your Promotional CD term of 4, 7, 9, 13, 19, 25, 37, or 61 months, your consumer account will automatically convert to the Standard consumer CD term (3, 6, 12, 18, 24, 36, and 60 months) that is closest to but not greater than your Promotional CD term. In addition, upon maturity your consumer CD Promotional rate will convert to the Standard rate applicable to the Standard consumer CD term.
  3. No withdrawals without penalty within first seven days. No partial withdrawals permitted.
  4. The $1.00 - $999.99 tier is for Renewal Only.

Explore Individual Retirement Account CD

Supplement your retirement savings with a tax-deferred IRA CD account

Support your savings for retirement with an IRA CD including a fixed rate, a variety of terms, and automatic renewal.

Explore Individual Retirement Account CD (IRA CD)

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