Bask Bank vs. Capital One
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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Summary of Bask Bank vs. Capital One
Key Metrics at a Glance
| Feature | Bask Bank | Capital One |
|---|---|---|
| Top Savings APY | 4.05% Interest Savings Account | 3.40% 360 Performance Savings |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
Bask Bank
Strengths
- Bask Bank offers a higher APY of 4.05% compared to Capital One's 3.40%.
- Bask Bank has no maintenance fees or minimum balance requirements.
- Bask Bank has a strong App Store rating of 4.7.
Potential Drawbacks
- Bask Bank's APY decreased from 4.15% in the last 30 days.
- Bask Bank is not BBB Accredited and has a B rating.
- Bask Bank has no physical branches.
Capital One
Strengths
- Capital One has over 200 branches across multiple states.
- Capital One is BBB Accredited with an A+ rating.
- Capital One has a strong App Store rating of 4.9.
Potential Drawbacks
- Capital One's APY is lower at 3.40% compared to Bask Bank's 4.05%.
- Capital One's APY decreased from 3.50% in the last 30 days.
- Capital One has a lower App Store rating than Bask Bank.
→ As of October 16, 2025 Bask Bank offers an APY of 4.05% for its Interest Savings 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.
→ Bask Bank yields $65 more than Capital One on a $10,000 balance after one year. Bask Bank pays $405, while Capital One pays $340 - an APY advantage for Bask Bank.
Calculate Savings Growth for Bask Bank vs Capital One
Bask Bank
Total savings breakdown:
- Interest earned: $2,467 (12.05%)
- Total contributions: $13,000 (63.52%)
- Initial deposit: $5,000 (24.43%)
Your total balance
$20,467.00
Total balance: $20,467
Earnings: $2,467
Bank OverviewCapital One
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
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, Bask Bank's total earnings would be $416.5 higher than Capital One's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Bask Bank's vs Capital One's Savings Accounts
| Bask Bank | Capital One | ||
|---|---|---|---|
| Product | Interest Savings Account | vs | 360 Performance Savings |
| APY | 4.05% (as of 10/16/2025) | 3.40% (as of 10/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | No | |
| Compound Frequency | Daily | Monthly | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.7/5 | 4.9/5 | |
| Google Play Rating | 4.5/5 | 4.5/5 | |
| BBB Rating | B | A+ |
Comparative Historical APY Insights (Last 9 Months)
| Bask Bank | Capital One | ||
|---|---|---|---|
| Product | Interest Savings Account | vs | 360 Performance Savings |
| Latest APY | 4.05 % | 3.40 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.7 | -3.7 | |
| Rate Changes / Mo | 0.45 | 0.45 | |
| Days Since Last Change | 28 | 16 | |
| High (-9 m) | 4.50 % | 3.80 % | |
| Low (-9 m) | 4.05 % | 3.40 % | |
| Draw-down from High | -10.0 % | -10.5 % | |
| Volatility (CV) | 0.025 | 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 268 days.
- Low (-9 m)
- Lowest APY in the last 268 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.