Capital One

Last Updated: 6/20/2025

Note: Interest rates below are reported as APY, or Annual Percentage Yield

Quick Views

360 Performance Savings: 3.60% APY(Rank 68 out of 74 tracked HYSAs)

Minimum Deposit: $0

National Savings Interest Rate: 0.42% (as of 5/19/2025)

Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.

(Source: FDIC)

Bank Overview

Location: McLean, Virginia

Founded: 1994

Affiliation: Capital One Financial Corporation (NYSE: COF)

Access to Branches: Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.

BBB Rating: A+ (BBB Accredited)

App Store Rating: 4.9/5

Google Play Rating: 4.5/5

Website: Visit Capital One

Our Take on Capital One

Highlights

  • Current APY of 3.60%, unchanged from 30 days ago.
  • No minimum deposit or balance requirements for 360 Performance Savings.
  • No maintenance fees on savings accounts.
  • Strong BBB rating of A+ and BBB Accredited.

Considerations

  • Direct deposit is not required for the account.
  • Only one savings account option with competitive APY.
  • Limited branch access with over 200 locations.
  • App Store rating of 4.9 may not reflect all user experiences.
Summary: Capital One offers a competitive APY of 3.60% with its 360 Performance Savings account, which has no minimum deposit or maintenance fees. The bank has a strong A+ BBB rating and is accredited, indicating good trustworthiness. However, the direct deposit requirement is absent, which may limit some users. With over 200 branches, it provides limited physical access, and while the app ratings are high, they may not represent all customer experiences.

Savings Account

Savings Account Offered by Capital One

Feature360 Performance Savings
APY
3.60% (as of 6/20/2025)
APY TrendStable for the last month
Minimum Deposit$0
Minimum Balance for APY$0
FDIC-insured
Yes
Online OnlyNo
Bundled Account
No
Direct Deposit Required
No
Compound Frequency
Monthly
Maintenance Fee$0
EligibilityUnited States

No deposit agreement summary available for this bank.

Calculate Savings for Capital One

All calculations are based on APY.

360 Performance Savings (APY: 3.60%)

Deposit Frequency:

Total savings breakdown:

  • Interest earned: $4 (3.85%)
  • Total contributions: $0 (0.00%)
  • Initial deposit: $100 (96.15%)

Your total balance

$104.00

Effective APY: 3.60% (based on your deposit and contributions)

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Capital One Savings Rates Over Time

Historical APY Insights

Metric360 Performance Savings
Latest APY3.60 %
TrendSideways
Slope (bps/mo)-4.0
Rate Changes / Mo0.40
Days Since Last Change74
High (-5 m)3.80 %
Low (-5 m)3.60 %
Draw-down from High-5.3 %
Volatility (CV)0.018
APY Insights Glossary
Latest APY
Most recent advertised annual-percentage yield.
Trend
Direction over the last 5 months (regression slope).
Slope (bps/mo)
Average monthly change; 10 bps = 0.10 pp.
Rate Changes / Mo
Typical number of APY moves per month.
Days Since Last Change
Recency of the latest APY adjustment.
High (-5 m)
Highest APY in the last 150 days.
Low (-5 m)
Lowest APY in the last 150 days.
Draw-down from High
How far today sits below the 5-month peak.
Volatility (CV)
Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
  • See how quickly a bank reacts to Fed moves or competition.
  • Gauge “twitchiness” - frequent moves can annoy savers.
  • Spot if you're buying near a peak (draw-down) or riding a rise.
  • Slope (bps/mo) shows speed of change.
  • Volatility (CV) scales jumps by average level.

Compare Capital One's Savings Account

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  • All America Bank - 1.50-3.25% APY
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  • American Express - 3.60% APY
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  • Bank of America - 0.01% APY
  • Barclays - 3.90-4.10% APY
  • Bask Bank - 4.20% APY
  • Betterment - 4.00% APY
  • BMO Alto - 3.60% APY
  • Bread Savings - 4.30% APY
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  • Charles Schwab Bank - 0.15% APY
  • Chase Bank - 0.01% APY
  • Chime - 1.25-3.75% APY
  • CIBC Bank USA - 4.11% APY
  • CIT Bank - 0.25-4.00% APY
  • Citibank - 3.60% APY
  • Citizens Access™ - 3.70% APY
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  • Customers Bank - 4.23% APY
  • Discover Bank - 3.60% APY
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  • Evergreen Bank Group - 4.25% APY
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  • Fitness Bank - 5.00% APY
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  • FVCbank - 4.35% APY
  • High Plains Bank - 0.23-3.82% APY
  • Jenius Bank - 4.20% APY
  • LendingClub - 3.40-4.40% APY
  • Live Oak Bank - 4.10% APY
  • Marcus by Goldman Sachs - 3.65% APY
  • My Banking Direct - 4.30% APY
  • MySavingsDirect - 3.75% APY
  • Neighbors Bank - 4.60% APY
  • Newtek Bank - 4.35% APY
  • OMB Bank - 1.00% APY
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  • Peak Bank - 4.44% APY
  • Pibank - 4.60% APY
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  • Presidential Bank - 4.00-4.50% APY
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  • Primis Bank - 4.35% APY
  • Quontic Bank - 3.85% APY
  • RBMAX - 4.15% APY
  • Rising Bank - 4.30% APY
  • ROGER - 4.65% APY
  • Salem Five Direct - 4.01% APY
  • Sallie Mae Bank - 3.90% APY
  • Santander Bank - 0.03% APY
  • SoFi Bank - 3.80% APY
  • Synchrony Bank - 3.80% APY
  • TAB Bank - 4.26% APY
  • TD Bank - 0.05-3.00% APY
  • The State Exchange Bank - 1.90% APY
  • TIMBR - 4.40% APY
  • UFB Direct - 4.01-4.21% APY
  • Upgrade - 4.02% APY
  • Valley Direct - 4.20% APY
  • Varo Bank - 2.50-5.00% APY
  • Western Alliance Bank - 4.30% APY
  • Zynlo Bank - 4.35% APY
FeatureCapital OneSelect a bank...
Product360 Performance SavingsN/A
APY
3.60% (as of 6/20/2025)N/A
Bundled Account
NoN/A
FDIC-insured
YesN/A
Online OnlyNoN/A
Compound Frequency
MonthlyN/A
Minimum Deposit$0N/A
Minimum Balance for APY$0N/A
Maintenance Fee$0N/A
Direct Deposit Required
NoN/A

Bank-to-Bank Comparisons

Compare Capital One's APY of 3.60% with other banks