Axos Bank vs. Capital One
High-Yield Savings Account Comparison
Last Updated: October 14, 2025
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Summary of Axos Bank vs. Capital One
Key Metrics at a Glance
| Feature | Axos Bank | Capital One |
|---|---|---|
| Top Savings APY | 4.51% Axos ONE | 3.40% 360 Performance Savings |
| Minimum to Open | $0 | $0 |
| Minimum Balance for APY | $0 | $0 |
Axos Bank
Strengths
- Axos Bank offers a higher APY of 4.51% compared to Capital One's 3.40%.
- Axos Bank has no maintenance fees across all accounts.
- Axos Bank has a higher App Store rating of 4.7.
Potential Drawbacks
- Axos Bank has no physical branches, limiting in-person access.
- To earn the highest APY, Axos Bank requires specific deposit conditions.
- Axos Bank's Google Play rating is lower at 4.6.
Capital One
Strengths
- Capital One has over 200 branches, providing convenient in-person banking.
- Capital One's 360 Performance Savings account has a straightforward APY requirement.
- Capital One has a higher Google Play rating of 4.5.
Potential Drawbacks
- Capital One's APY of 3.40% is lower than Axos Bank's 4.51%.
- Capital One's APY decreased from 3.50% in the last 30 days.
- Capital One charges no maintenance fees, but offers less competitive rates.
Summary: Axos Bank offers a significantly higher APY of 4.51% for its high-yield savings account, while Capital One provides more accessibility with over 200 branches. Both banks have an A+ BBB rating, but Axos Bank's requirements for the highest APY may be a drawback for some. Additionally, Axos Bank has a better App Store rating, while Capital One excels in Google Play ratings. Overall, Axos Bank is better for higher returns, while Capital One offers more physical banking options.
→ As of October 14, 2025 Axos Bank offers an APY of 4.51% for its Axos ONE account, with a minimum balance of $0, compared to Capital One's 3.40% APY for its 360 Performance Savings account, with a minimum balance of $0.
→ Axos Bank yields $111 more than Capital One on a $10,000 balance after one year. Axos Bank pays $451, while Capital One pays $340 - an APY advantage for Axos Bank.
→ In addition, Axos Bank also offers 4.00% APY for the Summit Savings account.
Calculate Savings Growth for Axos Bank vs Capital One
All calculations are based on APY.
Axos Bank
APY: 4.51%
Total savings breakdown:
- Interest earned: $2,766.7 (13.32%)
- Total contributions: $13,000 (62.60%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,766.70
Effective APY: 4.51% (based on your deposit and contributions)
Total balance: $20,766.7
Earnings: $2,766.7
Capital One
APY: 3.40%
Total savings breakdown:
- Interest earned: $2,050.5 (10.23%)
- Total contributions: $13,000 (64.84%)
- Initial deposit: $5,000 (24.94%)
Your total balance
$20,050.50
Effective APY: 3.40% (based on your deposit and contributions)
Total balance: $20,050.5
Earnings: $2,050.5
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Axos Bank's total earnings would be $716.2 higher than Capital One's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Axos Bank's vs Capital One's Savings Accounts
| Axos Bank | Capital One | ||||
|---|---|---|---|---|---|
| Product | Axos ONE | Summit Savings | High Yield Savings | vs | 360 Performance Savings |
| APY | 4.51% (as of 10/14/2025) | 4.00% (as of 10/14/2025) | 0.61% (as of 10/14/2025) | 3.40% (as of 10/14/2025) | |
| Bundled Account | Yes | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | No | |
| Compound Frequency | Daily | Daily | Daily | Monthly | |
| Minimum Deposit | $0 | $0 | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | $0 | $0 | |
| Maintenance Fee | $0 | $0 | $0 | $0 | |
| Direct Deposit Required | No. Not required, but is the easiest way to earn the highest APY. | No | No | No | |
| Note | This APY is only available with the Axos ONE savings and checking bundle. 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. | ||||
| Sponsored Link | LEARN MORE at Axos Bank, Member FDIC | ||||
| App Store Rating | 4.7/5 | 4.9/5 | |||
| Google Play Rating | 4.6/5 | 4.5/5 | |||
| BBB Rating | A+ | A+ | |||
Comparative Historical APY Insights (Last 9 Months)
| Axos Bank | Capital One | ||||
|---|---|---|---|---|---|
| Product | High Yield Savings | Summit Savings | Axos ONE | vs | 360 Performance Savings |
| Latest APY | 0.61 % | 4.00 % | 4.51 % | 3.40 % | |
| Trend | Sideways | Sideways | Falling | Sideways | |
| Slope (bps/mo) | 0.0 | 0.0 | -5.2 | -3.7 | |
| Rate Changes / Mo | 0.00 | 0.00 | 0.34 | 0.45 | |
| Days Since Last Change | 266 | 107 | 12 | 14 | |
| High (-9 m) | 0.61 % | 4.00 % | 4.86 % | 3.80 % | |
| Low (-9 m) | 0.61 % | 4.00 % | 4.46 % | 3.40 % | |
| Draw-down from High | 0.0 % | 0.0 % | -7.2 % | -10.5 % | |
| Volatility (CV) | 0.000 | 0.000 | 0.031 | 0.028 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 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 (-9 m)
- Highest APY in the last 266 days.
- Low (-9 m)
- Lowest APY in the last 266 days.
- Draw-down from High
- How far today sits below the 9-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.
More Comparisons
Compare Axos Bank's APY of 4.51% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Axos Bank vs Ally Bank | 3.40% | $0 |
| Axos Bank vs American Express | 3.50% | $0 |
| Axos Bank vs Bank of America | 0.01% | $100 |
| Axos Bank vs Barclays | 4.10% | $0 |
| Axos Bank vs BrioDirect | 4.20% | $5,000 |
| Axos Bank vs Chase Bank | 0.01% | $0 |
| Axos Bank vs Chime | 3.75% | $0 |
| Axos Bank vs CIT Bank | 3.85% | $100 |
| Axos Bank vs Discover Bank | 3.40% | $0 |
| Axos Bank vs Elevault | 4.34% | $0 |
| Axos Bank vs EverBank | 4.05% | $0 |
| Axos Bank vs Fitness Bank | 4.75% | $100 |
| Axos Bank vs FVCbank | 4.10% | $500 |
| Axos Bank vs GO2bank | 4.50% | $0 |
| Axos Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Axos Bank vs Neighbors Bank | 4.50% | $0 |
| Axos Bank vs Newtek Bank | 4.35% | $0 |
| Axos Bank vs Peak Bank | 4.20% | $100 |
| Axos Bank vs Pibank | 4.60% | $0 |
| Axos Bank vs Presidential Bank | 4.50% | $5,000 |
| Axos Bank vs Santander Bank | 0.01% | $25 |
| Axos Bank vs SoFi Bank | 4.50% | $0 |
| Axos Bank vs Synchrony Bank | 3.80% | $0 |
| Axos Bank vs TIMBR | 4.40% | $1,000 |
| Axos Bank vs Varo Bank | 5.00% | $0 |
| Axos Bank vs Wells Fargo | 0.05% | $25 |
| Axos Bank vs Zynlo Bank | 4.20% | $10 |
Compare Capital One's APY of 3.40% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Capital One vs Ally Bank | 3.40% | $0 |
| Capital One vs American Express | 3.50% | $0 |
| Capital One vs Bank of America | 0.01% | $100 |
| Capital One vs Barclays | 4.10% | $0 |
| Capital One vs BrioDirect | 4.20% | $5,000 |
| Capital One vs Chase Bank | 0.01% | $0 |
| Capital One vs Chime | 3.75% | $0 |
| Capital One vs CIT Bank | 3.85% | $100 |
| Capital One vs Discover Bank | 3.40% | $0 |
| Capital One vs Elevault | 4.34% | $0 |
| Capital One vs EverBank | 4.05% | $0 |
| Capital One vs Fitness Bank | 4.75% | $100 |
| Capital One vs FVCbank | 4.10% | $500 |
| Capital One vs GO2bank | 4.50% | $0 |
| Capital One vs Marcus by Goldman Sachs | 3.65% | $0 |
| Capital One vs Neighbors Bank | 4.50% | $0 |
| Capital One vs Newtek Bank | 4.35% | $0 |
| Capital One vs Peak Bank | 4.20% | $100 |
| Capital One vs Pibank | 4.60% | $0 |
| Capital One vs Presidential Bank | 4.50% | $5,000 |
| Capital One vs Santander Bank | 0.01% | $25 |
| Capital One vs SoFi Bank | 4.50% | $0 |
| Capital One vs Synchrony Bank | 3.80% | $0 |
| Capital One vs TIMBR | 4.40% | $1,000 |
| Capital One vs UFB Direct | 3.96% | $5000 |
| Capital One vs Varo Bank | 5.00% | $0 |
| Capital One vs Wells Fargo | 0.05% | $25 |
| Capital One vs Zynlo Bank | 4.20% | $10 |