High-Yield Savings Account Comparison

Affirm vs. Capital One

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 10, 2025

Affirm

Affirm Money Account

3.60%
APY
Dec 10, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58410)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.8
BBB Rating
A+(BBB Accredited)

Important Note

While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank.

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

Capital One

360 Performance Savings

3.40%
APY
Dec 10, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Branch AccessOver 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.
Deposit InsuranceFDIC Insured(Cert: 4297)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.5
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.10%
Since 90 days ago
Read Bank Overview

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

Affirm vs. Capital One Savings Calculator

Calculations based on current APY for Affirm Money Account and 360 Performance Savings
$
$

Affirm earns $127.3 more than Capital One.

Affirm

Affirm Money Account

3.60% APY

Savings Breakdown

  • Interest Earned
    +$2,177.80(10.8%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,177.80

Effective APY
3.60%
View Details

Capital One

360 Performance Savings

3.40% APY

Savings Breakdown

  • Interest Earned
    +$2,050.50(10.2%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,050.50

Effective APY
3.40%
View Details

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

Comparison Analysis

Comparing Affirm vs. Capital One

Updated: Dec 10, 2025

Why Affirm?

  • ✓Higher potential APY (3.60% vs 3.40%) on all balances
  • ✓Higher rated Android app (4.8 vs 4.5)

Why Capital One?

  • ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)

— Key Feature Differences —

Better Returns at $10,000
Affirm

Affirm's Affirm Money Account earns more on smaller deposits (approx. $360 vs $340/yr).

Better Returns at $25,000
Affirm

Affirm's Affirm Money Account pulls ahead with larger amounts (approx. $900 vs $850/yr).

Best for Simplicity
Affirm

Affirm's Affirm Money Account offers 3.60% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Both offer monthly maintenance-free account options Both banks have options with $0 opening deposit Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Affirm's Affirm Money Account pays $20 more interest on a $10,000 balance than Capital One's 360 Performance Savings.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

Capital OneAffirm
Automated Data Audit

Executive Summary

Affirm offers a competitive savings option with its Affirm Money Account, boasting an APY of 3.60%. This account stands out for its simplicity, requiring no minimum deposit, no maintenance fees, and no direct deposit requirement. While Capital One's 360 Performance Savings account provides a slightly lower APY of 3.40%, it is also accessible without any fees or minimums. Both accounts are FDIC-insured, but Affirm's product is exclusively online, while Capital One offers both online and physical access. Overall, Affirm's higher APY makes it the preferred choice for savers.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExploreAffirmExploreCapital One

Top Market Contenders

See who beats both Affirm and Capital One.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+1.00% vs Affirm
Better Rate
Pibank vs AffirmPibank vs Capital One
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.71% vs Affirm
Better Rate
Axos Bank vs AffirmAxos Bank vs Capital One
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.80% vs Affirm
Better Rate
TIMBR vs AffirmTIMBR vs Capital One
FeatureAffirmCapital One
APY
3.60%
Verified: 12/10/2025
↘︎ 0.25%90d Change
3.40%
Verified: 12/10/2025
↘︎ 0.10%90d Change
Product NameAffirm Money Account360 Performance Savings
Minimum Deposit$0$0
Min. Balance for APY$0$0
Monthly Fee$0$0
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.9
Android4.8
iOS4.9
Android4.5
BBB RatingA+A+
Important NotesWhile Affirm is not a bank, it is FDIC-insured through partner Cross River Bank.-
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 11 Months Analysis
MetricAffirmCapital One
Affirm Money Account360 Performance Savings
Current APY
3.60%3.40%
Trend
 Stable Stable
Velocity (bps/mo)
-2.7-3.6
Days Since Change
7570
11-Month High
3.85%3.80%
11-Month Low
3.60%3.40%
Adjustments / Mo
0.090.37
Volatility Score
0.0300.034
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 323-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar High-Yield Accounts

Compare Affirm vs...

Comparing against Standard Savings

vs Affirm
PibankNo Bundle Req
4.60%
APY
vs Affirm
TIMBRNo Bundle Req
4.40%
APY
vs Affirm
Newtek BankNo Bundle Req
4.35%
APY

Compare Capital One vs...

Comparing against Standard Savings

vs Capital One
PibankNo Bundle Req
4.60%
APY
vs Capital One
TIMBRNo Bundle Req
4.40%
APY
vs Capital One
Newtek BankNo Bundle Req
4.35%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare Affirm's APY of 3.60% with other banks
Bank PairCompetitor APYMin Deposit
Affirm vs Ally Bank3.30%$0
Affirm vs American Express3.40%$0
Affirm vs Axos Bank4.31%$0
Affirm vs Bank of America0.01%$100
Affirm vs Barclays4.00%$0
Affirm vs Bask Bank3.90%$0
Affirm vs Betterment3.50%$10
Affirm vs BMO Alto3.25%$0
Affirm vs Bread Savings4.10%$100
Affirm vs BrioDirect4.00%$5,000
Affirm vs Charles Schwab Bank0.15%$0
Affirm vs Chase Bank0.01%$0
Affirm vs Chime3.50%$0
Affirm vs CIT Bank3.75%$100
Affirm vs Citibank3.30%$0
Affirm vs Citizens Access™3.15%$0.01
Affirm vs Climate First Bank4.21%$50
Affirm vs Discover Bank3.40%$0
Affirm vs E*TRADE from Morgan Stanley3.75%$0
Affirm vs Elevault4.08%$0
Affirm vs EverBank4.05%$0
Affirm vs Fitness Bank4.75%$100
Affirm vs FNBO Direct3.00%$1
Affirm vs Forbright Bank4.00%$0
Affirm vs FVCbank3.85%$500
Affirm vs GO2bank4.50%$0
Affirm vs Ivy Bank4.25%$2,500
Affirm vs LendingClub4.20%$0
Affirm vs Marcus by Goldman Sachs3.65%$0
Affirm vs Neighbors Bank4.30%$0
Affirm vs Newtek Bank4.35%$0.01
Affirm vs Openbank4.20%$500
Affirm vs Peak Bank4.20%$100
Affirm vs Pibank4.60%$0
Affirm vs PNC3.53%$0
Affirm vs Presidential Bank4.00%$5,000
Affirm vs Quontic Bank3.75%$100
Affirm vs Salem Five Direct3.71%$10
Affirm vs Sallie Mae Bank3.90%$0
Affirm vs Santander Bank0.01%$25
Affirm vs SoFi Bank4.30%$0
Affirm vs Synchrony Bank3.65%$0
Affirm vs TD Bank2.75%$0
Affirm vs TIMBR4.40%$1,000
Affirm vs UFB Direct3.71%$5000
Affirm vs Upgrade3.05%$0
Affirm vs Valley Direct4.10%$1,000
Affirm vs Varo Bank5.00%$0
Affirm vs Vio Bank4.16%$100
Affirm vs Wealthfront4.15%$0
Affirm vs Wells Fargo0.05%$25
Affirm vs Zynlo Bank4.05%$10
Compare Capital One's APY of 3.40% with other banks
Bank PairCompetitor APYMin Deposit
Capital One vs Ally Bank3.30%$0
Capital One vs American Express3.40%$0
Capital One vs Axos Bank4.31%$0
Capital One vs Bank of America0.01%$100
Capital One vs Barclays4.00%$0
Capital One vs Bask Bank3.90%$0
Capital One vs Betterment3.50%$10
Capital One vs BMO Alto3.25%$0
Capital One vs Bread Savings4.10%$100
Capital One vs BrioDirect4.00%$5,000
Capital One vs Charles Schwab Bank0.15%$0
Capital One vs Chase Bank0.01%$0
Capital One vs Chime3.50%$0
Capital One vs CIT Bank3.75%$100
Capital One vs Citibank3.30%$0
Capital One vs Citizens Access™3.15%$0.01
Capital One vs Climate First Bank4.21%$50
Capital One vs Discover Bank3.40%$0
Capital One vs E*TRADE from Morgan Stanley3.75%$0
Capital One vs Elevault4.08%$0
Capital One vs EverBank4.05%$0
Capital One vs Fitness Bank4.75%$100
Capital One vs FNBO Direct3.00%$1
Capital One vs Forbright Bank4.00%$0
Capital One vs FVCbank3.85%$500
Capital One vs GO2bank4.50%$0
Capital One vs Ivy Bank4.25%$2,500
Capital One vs LendingClub4.20%$0
Capital One vs Marcus by Goldman Sachs3.65%$0
Capital One vs Neighbors Bank4.30%$0
Capital One vs Newtek Bank4.35%$0.01
Capital One vs Openbank4.20%$500
Capital One vs Peak Bank4.20%$100
Capital One vs Pibank4.60%$0
Capital One vs PNC3.53%$0
Capital One vs Presidential Bank4.00%$5,000
Capital One vs Quontic Bank3.75%$100
Capital One vs Salem Five Direct3.71%$10
Capital One vs Sallie Mae Bank3.90%$0
Capital One vs Santander Bank0.01%$25
Capital One vs SoFi Bank4.30%$0
Capital One vs Synchrony Bank3.65%$0
Capital One vs TD Bank2.75%$0
Capital One vs TIMBR4.40%$1,000
Capital One vs UFB Direct3.71%$5000
Capital One vs Upgrade3.05%$0
Capital One vs Valley Direct4.10%$1,000
Capital One vs Varo Bank5.00%$0
Capital One vs Vio Bank4.16%$100
Capital One vs Wealthfront4.15%$0
Capital One vs Wells Fargo0.05%$25
Capital One vs Zynlo Bank4.05%$10