Bask Bank vs. Capital One
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Bask BankInterest Savings Account Jan 21, 2026 | Capital One360 Performance Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.75% | 3.30% |
Est. Earnings | $5,000+$188 $10,000+$375 $25,000+$938 | $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® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Bask Bank vs. Capital One
As of Bask Bank offers an APY of 3.75% for its Interest Savings Account, with a minimum balance of $0, compared to Capital One's 3.30% APY for its 360 Performance Savings account, with a minimum balance of $0.
Bask Bank pays $45 more than Capital One on a $10,000 balance after one year. Bask Bank pays $375, while Capital One pays $330 - an APY advantage for Bask Bank.
Why Bask Bank?
- ✓Higher potential APY (3.75% vs 3.30%) 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. $375 vs $330/yr).
Better Returns at $25,000
Bask BankBask Bank's Interest Savings Account pulls ahead with larger amounts (approx. $938 vs $825/yr).
Best for Simplicity
Bask BankBask Bank's Interest Savings Account offers 3.75% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Bask Bank's Interest Savings Account pays $45 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Bask Bank offers a competitive Interest Savings Account with an APY of 3.75%, making it the clear winner compared to Capital One's 360 Performance Savings, which has an APY of 3.30%. Bask Bank's account stands out for its simplicity, requiring no direct deposit and having no minimum balance or maintenance fees. Additionally, it compounds daily, ensuring optimal growth of savings. In contrast, Capital One's account compounds monthly but also has no fees or minimums. Both accounts are online-only and provide FDIC insurance.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Bask Bank vs. Capital One Savings Calculator
You earn $45 more with Bask Bank than Capital One 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+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
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 | 3.75% Verified: 1/21/2026 ↘︎ 0.30%90d Change | 3.30% Verified: 1/21/2026 ↘︎ 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 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.7 | iOS4.9 Android4.5 |
| 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 | 3.75% | 3.30% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.3 | -3.4 |
Days Since Change | 33 | 13 |
12-Month High | 4.50% | 3.80% |
12-Month Low | 3.75% | 3.30% |
Adjustments / Mo | 0.49 | 0.41 |
Volatility Score | 0.049 | 0.036 |
How to read these metrics(Click to expand)
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