Bask Bank vs. Capital One
Compare rates, requirements, and features side-by-side to find the best option for you.
Bask Bank
Interest Savings Account
3.90%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Bask Bank
Interest Savings Account
Capital One
360 Performance Savings
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Capital One
360 Performance Savings
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.
Comparison Analysis
Comparing Bask Bank vs. Capital One
Why Bask Bank?
- ✓Higher potential APY (3.90% vs 3.40%) on all balances
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
Bask BankBask Bank's Interest Savings Account earns more on smaller deposits (approx. $390 vs $340/yr).
Better Returns at $25,000
Bask BankBask Bank's Interest Savings Account pulls ahead with larger amounts (approx. $975 vs $850/yr).
Best for Simplicity
Bask BankBask Bank's Interest Savings Account offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Bask Bank's Interest Savings Account pays $50 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
Executive Summary
Bask Bank offers a competitive Interest Savings Account with an APY of 3.90%, which is higher than Capital One's 360 Performance Savings account, which yields 3.40%. Bask Bank's account stands out for its simplicity, requiring no minimum deposit, maintenance fees, or direct deposit, and it compounds interest daily. In contrast, Capital One's account, while also having no fees and a $0 minimum deposit, compounds interest monthly. Both accounts are online-only, but Bask Bank provides a better return on savings.
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.
Top Market Contenders
See who beats both Bask Bank and Capital One.
| Feature | Bask Bank | Capital One |
|---|---|---|
| APY | 3.90% Verified: 12/6/2025 ↘︎ 0.25%90d Change | 3.40% Verified: 12/6/2025 ↘︎ 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 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.5 | iOS4.9 Android4.5 |
| BBB Rating | B | A+ |
| Next Steps |
Savings Comparison
Bask Bank earns $319.7 more than Capital One.
Bask Bank
Interest Savings Account
Savings Breakdown
- Interest Earned+$2,370.20(11.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,370.20
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bask Bank | Capital One |
|---|---|---|
| Interest Savings Account | 360 Performance Savings | |
Current APY | 3.90% | 3.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.5 | -3.6 |
Days Since Change | 29 | 66 |
10-Month High | 4.50% | 3.80% |
10-Month Low | 3.90% | 3.40% |
Adjustments / Mo | 0.47 | 0.38 |
Volatility Score | 0.036 | 0.033 |
How to read these metrics(Click to expand)
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