Bask Bank vs. Capital One
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 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 | 3.90% 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 3.90% compared to Capital One's 3.40%.
- No maintenance fees or minimum balance requirements for Bask Bank's Interest Savings Account.
- Bask Bank has a strong App Store rating of 4.7.
Potential Drawbacks
- Bask Bank's APY decreased from 4.05% in the last 30 days.
- Bask Bank has no physical branches for in-person banking.
- Bask Bank has a BBB rating of B and is not accredited.
Capital One
Strengths
- Capital One has over 200 branches for customer convenience.
- Capital One's BBB rating is A+, and it is BBB accredited.
- Capital One maintains a consistent APY of 3.40% over the last 30 days.
Potential Drawbacks
- Capital One's APY of 3.40% is lower than Bask Bank's 3.90%.
- Capital One has a lower App Store rating of 4.9 compared to Bask Bank.
- Capital One's 360 Performance Savings account requires no direct deposit.
→ As of November 16, 2025 Bask Bank offers an APY of 3.90% 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 $50 more than Capital One on a $10,000 balance after one year. Bask Bank pays $390, while Capital One pays $340 - an APY advantage for Bask Bank.
Calculate Savings Growth for Bask Bank vs Capital One
Bask Bank - Interest Savings Account
Total savings breakdown:
- Interest earned: $2,370.2 (11.64%)
- Total contributions: $13,000 (63.82%)
- Initial deposit: $5,000 (24.55%)
Your total balance
$20,370.20
Total balance: $20,370.2
Earnings: $2,370.2
Bank OverviewCapital One - 360 Performance Savings
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 $319.7 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 | 3.90% (as of 11/16/2025) | 3.40% (as of 11/16/2025) | |
| 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 10 Months)
| Bask Bank | Capital One | ||
|---|---|---|---|
| Product | Interest Savings Account | vs | 360 Performance Savings |
| Latest APY | 3.90 % | 3.40 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -4.1 | -3.7 | |
| Rate Changes / Mo | 0.50 | 0.40 | |
| Days Since Last Change | 10 | 46 | |
| High (-10 m) | 4.50 % | 3.80 % | |
| Low (-10 m) | 3.90 % | 3.40 % | |
| Draw-down from High | -13.3 % | -10.5 % | |
| Volatility (CV) | 0.031 | 0.032 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 10 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 (-10 m)
- Highest APY in the last 298 days.
- Low (-10 m)
- Lowest APY in the last 298 days.
- Draw-down from High
- How far today sits below the 10-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.