Bask Bank vs. Capital One
Comparing Bask Bank and Capital One for high-yield savings: Bask Bank's Interest Savings Account pays 4.10% APY while Capital One's 360 Performance Savings pays 3.00% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Bask Bank pays $110 more than Capital One annually ($410 vs $300).
Choose Bask Bank if getting the best rate matters most. Choose Capital One if BBB rating matters to you, or you value in-person banking.
| Metric | Bask BankInterest Savings Account Jun 5, 2026 | Capital One360 Performance Savings Jun 5, 2026 |
|---|---|---|
| APY | 4.10% | 3.00% |
Est. Earnings | $5,000+$205 $10,000+$410 $25,000+$1,025 | $5,000+$150 $10,000+$300 $25,000+$750 |
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 |
Comparison Analysis
Comparing Bask Bank vs. Capital One
Executive Summary
Bask Bank offers a competitive Interest Savings Account with an APY of 4.10%, making it the clear winner compared to Capital One's 360 Performance Savings, which has an APY of 3.00%. Bask Bank's account is online-only, requires no minimum deposit or balance, and has no maintenance fees, providing better returns for both small and large deposits. In contrast, Capital One's account, while also having no fees, yields significantly lower interest. Both banks do not require direct deposit, enhancing accessibility.
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?
- ✓Higher potential APY (4.10% vs 3.00%) 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. $410 vs $300/yr).
Better Returns at $25,000
Bask BankBask Bank's Interest Savings Account pulls ahead with larger amounts (approx. $1025 vs $750/yr).
Best for Simplicity
Bask BankBask Bank's Interest Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Bask Bank's Interest Savings Account pays $110 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Bask Bank vs. Capital One Savings Calculator
You earn $110 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+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$300.00(2.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,300.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $299 per year in interest.
Both Bask Bank and Capital One dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Bask Bank | Capital One |
|---|---|---|
| APY | 4.10% Verified: 6/5/2026 ↗︎ 3.85%90d Change | 3.00% Verified: 6/5/2026 ↘︎ 0.30%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 | 4.10% | 3.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | -28.1 | -4.1 |
Days Since Change | 17 | 3 |
12-Month High | 4.20% | 3.60% |
12-Month Low | 0.25% | 3.00% |
Adjustments / Mo | 0.58 | 0.49 |
Volatility Score | 0.560 | 0.043 |
How to read these metrics(Click to expand)
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Compare Bask Bank's APY of 4.10% with other banks
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|---|---|---|
| Bask Bank vs Ally Bank | 3.10% | $0 |
| Bask Bank vs American Express | 3.10% | $0 |
| Bask Bank vs Axos Bank | 4.21% | $0 |
| Bask Bank vs Barclays | 3.75% | $0 |
| Bask Bank vs Chime | 3.00% | $0 |
| Bask Bank vs CIT Bank | 3.75% | $100 |
| Bask Bank vs Discover Bank | 3.30% | $0 |
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| Bask Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Bask Bank vs Newtek Bank | 4.20% | $0.01 |
| Bask Bank vs Openbank | 4.00% | $500 |
| Bask Bank vs Pibank | 4.40% | $0 |
| Bask Bank vs SoFi Bank | 3.80% | $0 |
| Bask Bank vs Synchrony Bank | 3.40% | $0 |
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