Bask Bank vs. Capital One
Comparing Bask Bank and Capital One for savings: Bask Bank's Interest Savings Account pays 0.25% APY while Capital One's 360 Performance Savings pays 3.30% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Capital One pays $305 more than Bask Bank annually ($330 vs $25).
Choose Capital One if getting the best rate matters most, BBB rating matters to you, or you value in-person banking.
| Metric | Bask BankInterest Savings Account Mar 7, 2026 | Capital One360 Performance Savings Mar 7, 2026 |
|---|---|---|
| APY | 0.25% | 3.30% |
Est. Earnings | $5,000+$13 $10,000+$25 $25,000+$63 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Bask Bank vs. Capital One
Executive Summary
Capital One offers the superior 360 Performance Savings account with an APY of 3.30%, significantly higher than Bask Bank's Interest Savings Account, which has an APY of 0.25%. Both accounts have no minimum deposit or balance requirements, and neither charges maintenance fees. Capital One's account is noted for its simplicity, requiring no bundling or direct deposit, while Bask Bank's account is online-only. Overall, Capital One stands out as the better option for savers 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.
Why Bask Bank?
No distinct advantages found vs Capital One.
Why Capital One?
- ✓Higher potential APY (3.30% vs 0.25%) on all balances
- ✓No checking account or direct deposit required
- ✓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
Capital OneCapital One's 360 Performance Savings earns more on smaller deposits (approx. $330 vs $25/yr).
Better Returns at $25,000
Capital OneCapital One's 360 Performance Savings pulls ahead with larger amounts (approx. $825 vs $63/yr).
Best for Simplicity
Capital OneCapital One's 360 Performance Savings offers 3.30% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Capital One's 360 Performance Savings pays $305 more interest on a $10,000 balance than Bask Bank's Interest Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Bask Bank vs. Capital One Savings Calculator
You earn $305 more with Capital One than Bask Bank 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.
Bask Bank
Interest Savings Account
Savings Breakdown
- Interest Earned+$25.00(0.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,025.00
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 | Bask Bank | Capital One |
|---|---|---|
| APY | 0.25% Verified: 3/7/2026 ↘︎ 3.65%90d Change | 3.30% Verified: 3/7/2026 ↘︎ 0.10%90d Change |
| Product Name | Interest Savings Account | 360 Performance Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | None | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Available for Interest Checking; not for standalone savings. | Available Limit: $2,500/dayAvailable for 360 Checking accounts. |
| BBB Rating | B | A+ |
| Next Steps | Visit SiteVerify at Bask Bank Non-sponsored link to official site | Visit SiteVerify at Capital One Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bask Bank | Capital One |
|---|---|---|
| Interest Savings Account | 360 Performance Savings | |
Current APY | 0.25% | 3.30% |
Trend | Stable | Stable |
Velocity (bps/mo) | -21.0 | -3.3 |
Days Since Change | 32 | 58 |
12-Month High | 4.35% | 3.70% |
12-Month Low | 0.25% | 3.30% |
Adjustments / Mo | 0.49 | 0.33 |
Volatility Score | 0.334 | 0.035 |
How to read these metrics(Click to expand)
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Compare Bask Bank's APY of 0.25% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Bask Bank vs Ally Bank | 3.20% | $0 |
| Bask Bank vs American Express | 3.30% | $0 |
| Bask Bank vs Axos Bank | 4.21% | $0 |
| Bask Bank vs Bank of America | 0.01% | $100 |
| Bask Bank vs Barclays | 3.85% | $0 |
| Bask Bank vs Chase Bank | 0.01% | $0 |
| Bask Bank vs Chime | 3.00% | $0 |
| Bask Bank vs CIT Bank | 3.75% | $100 |
| Bask Bank vs Citibank | 3.20% | $0 |
| Bask Bank vs Discover Bank | 3.30% | $0 |
| Bask Bank vs EverBank | 3.90% | $0 |
| Bask Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Bask Bank vs Newtek Bank | 4.20% | $0.01 |
| Bask Bank vs Openbank | 4.09% | $500 |
| Bask Bank vs Pibank | 4.60% | $0 |
| Bask Bank vs SoFi Bank | 4.00% | $0 |
| Bask Bank vs Synchrony Bank | 3.50% | $0 |
| Bask Bank vs Varo Bank | 5.00% | $0 |
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| Bask Bank vs Wells Fargo | 0.05% | $25 |