Axos Bank vs. Capital One
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Axos BankAxos ONE Jan 21, 2026 | Capital One360 Performance Savings Jan 21, 2026 |
|---|---|---|
| APY | 4.31% | 3.30% |
Est. Earnings | $5,000+$216 $10,000+$431 $25,000+$1,078 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking Bundle | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Comparison Analysis
Comparing Axos Bank vs. Capital One
As of Axos Bank offers an APY of 4.31% for its Axos ONE account, with a minimum balance of $0, compared to Capital One's 3.30% APY for its 360 Performance Savings account, with a minimum balance of $0.
Axos Bank pays $101 more than Capital One on a $10,000 balance after one year. Axos Bank pays $431, while Capital One pays $330 - an APY advantage for Axos Bank.
In addition, Axos Bank also offers 3.75% APY for the Summit Savings account, with a minimum balance of $0.
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (3.75%-4.31% vs 3.30%) on all balances
- ✓Offers 2 different high-yield savings options
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
— Key Feature Differences —
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE earns more on smaller deposits (approx. $431 vs $330/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1078 vs $825/yr).
Best for Simplicity
Axos BankAxos Bank's Summit Savings offers 3.75% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Axos BankAxos Bank's Axos ONE pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $101 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.
Executive Summary as of
Axos Bank offers a compelling savings option with its Axos ONE account, providing a high APY of 4.31% when bundled with a checking account, which earns 0.51% APY. This account requires either a direct deposit of $1,500 or total monthly qualifying deposits of at least $5,000 to maintain the higher rate. In contrast, Capital One's 360 Performance Savings account offers a lower APY of 3.30%, with no direct deposit requirement or bundling needed. While both accounts have no maintenance fees and require no minimum deposit, Axos Bank's Axos ONE stands out for those looking for higher returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Axos Bank vs. Capital One Savings Calculator
You earn $101 more with Axos Bank than Capital One on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$431.00(4.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,431.00
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Axos Bank | Capital One |
|---|---|---|
| APY | 4.31% Verified: 1/21/2026 ↘︎ 0.20%90d Change | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change |
| Product Name | Axos ONE | 360 Performance Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | Not required, but is the easiest way to earn the highest APY. | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.7 Android4.5 | iOS4.9 Android4.5 |
| Zelle® Support | Not Supported | Available Limit: $2,500/dayAvailable for 360 Checking accounts. |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | - |
| Next Steps | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at Capital One Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | Capital One | ||
|---|---|---|---|---|
| Summit Savings | Axos ONE | High Yield Savings | 360 Performance Savings | |
Current APY | 3.75% | 4.31% | 0.61% | 3.30% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -3.8 | -4.6 | -0.0 | -3.4 |
Days Since Change | 41 | 50 | 363 | 13 |
12-Month High | 4.00% | 4.86% | 0.61% | 3.80% |
12-Month Low | 3.75% | 4.31% | 0.61% | 3.30% |
Adjustments / Mo | 0.08 | 0.33 | 0.00 | 0.41 |
Volatility Score | 0.027 | 0.039 | 0.000 | 0.036 |
How to read these metrics(Click to expand)
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