Capital One vs. Chase Bank
High-Yield Savings Account Comparison
Last Updated: October 14, 2025
We earn a commission if you open an account through some links on this page.
Summary of Capital One vs. Chase Bank
Key Metrics at a Glance
| Feature | Capital One | Chase Bank |
|---|---|---|
| Top Savings APY | 3.40% 360 Performance Savings | 0.01% Chase Savings℠ |
| Minimum to Open | $0 | $0 |
| Minimum Balance for APY | $0 | $0 |
Capital One
Strengths
- Capital One offers a competitive APY of 3.40%, higher than Chase Bank's 0.01%.
- Capital One has an A+ BBB rating and is BBB Accredited, indicating higher trustworthiness.
- Capital One has over 200 branches across several states, enhancing accessibility.
Potential Drawbacks
- Capital One's APY decreased from 3.50% in the last 30 days.
- No maintenance fees are charged, but the lack of branches may affect some customers.
Chase Bank
Strengths
- Chase Bank's app ratings are strong, with 4.8 on the App Store.
- Chase Bank has a well-known brand presence and extensive nationwide services.
Potential Drawbacks
- Chase Bank's APY is significantly lower at 0.01%, unchanged from 30 days ago.
- Chase Bank charges a $5 maintenance fee, which may apply unless conditions are met.
Summary: Capital One's 360 Performance Savings account offers a much higher APY of 3.40% compared to Chase Bank's 0.01%. Capital One also has a better BBB rating and more branches, enhancing customer trust and accessibility. Conversely, Chase Bank has a strong app rating but imposes a maintenance fee, which could deter some customers. Overall, Capital One is more favorable for high-yield savings.
→ As of October 14, 2025 Capital One offers an APY of 3.40% for its 360 Performance Savings account, with a minimum balance of $0, compared to Chase Bank's 0.01% APY for its Chase Savings℠ account, with a minimum balance of $0.
→ Capital One yields $339 more than Chase Bank on a $10,000 balance after one year. Capital One pays $340, while Chase Bank pays $1 - an APY advantage for Capital One.
Calculate Savings Growth for Capital One vs Chase Bank
All calculations are based on APY.
Capital One
APY: 3.40%
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
Effective APY: 3.40% (based on your deposit and contributions)
Total balance: $20,050.5
Earnings: $2,050.5
Bank OverviewChase Bank
APY: 0.01%
Total savings breakdown:
- Interest earned: $5.7 (0.03%)
- Total contributions: $13,000 (72.20%)
- Initial deposit: $5,000 (27.77%)
Your total balance
$18,005.70
Effective APY: 0.01% (based on your deposit and contributions)
Total balance: $18,005.7
Earnings: $5.7
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Capital One's total earnings would be $2,044.8 higher than Chase Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Capital One's vs Chase Bank's Savings Accounts
| Capital One | Chase Bank | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Chase Savings℠ |
| APY | 3.40% (as of 10/14/2025) | 0.01% (as of 10/14/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | No | |
| Compound Frequency | Monthly | Monthly | |
| Minimum Deposit | $0 | $0 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $5 | |
| Direct Deposit Required | No | No | |
| Note | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | ||
| App Store Rating | 4.9/5 | 4.8/5 | |
| Google Play Rating | 4.5/5 | 4.5/5 | |
| BBB Rating | A+ | A- |
Comparative Historical APY Insights (Last 8 Months)
| Capital One | Chase Bank | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Chase Savings℠ |
| Latest APY | 3.40 % | 0.01 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.6 | -0.0 | |
| Rate Changes / Mo | 0.46 | 0.00 | |
| Days Since Last Change | 14 | 258 | |
| High (-8 m) | 3.80 % | 0.01 % | |
| Low (-8 m) | 3.40 % | 0.01 % | |
| Draw-down from High | -10.5 % | 0.0 % | |
| Volatility (CV) | 0.027 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 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 (-8 m)
- Highest APY in the last 259 days.
- Low (-8 m)
- Lowest APY in the last 259 days.
- Draw-down from High
- How far today sits below the 8-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.
More Comparisons
Compare Capital One's APY of 3.40% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Capital One vs Ally Bank | 3.40% | $0 |
| Capital One vs American Express | 3.50% | $0 |
| Capital One vs Axos Bank | 4.51% | $0 |
| Capital One vs Bank of America | 0.01% | $100 |
| Capital One vs Barclays | 4.10% | $0 |
| Capital One vs BrioDirect | 4.20% | $5,000 |
| Capital One vs Chime | 3.75% | $0 |
| Capital One vs CIT Bank | 3.85% | $100 |
| Capital One vs Discover Bank | 3.40% | $0 |
| Capital One vs Elevault | 4.34% | $0 |
| Capital One vs EverBank | 4.05% | $0 |
| Capital One vs Fitness Bank | 4.75% | $100 |
| Capital One vs FVCbank | 4.10% | $500 |
| Capital One vs GO2bank | 4.50% | $0 |
| Capital One vs Marcus by Goldman Sachs | 3.65% | $0 |
| Capital One vs Neighbors Bank | 4.50% | $0 |
| Capital One vs Newtek Bank | 4.35% | $0 |
| Capital One vs Peak Bank | 4.20% | $100 |
| Capital One vs Pibank | 4.60% | $0 |
| Capital One vs Presidential Bank | 4.50% | $5,000 |
| Capital One vs Santander Bank | 0.01% | $25 |
| Capital One vs SoFi Bank | 4.50% | $0 |
| Capital One vs Synchrony Bank | 3.80% | $0 |
| Capital One vs TIMBR | 4.40% | $1,000 |
| Capital One vs UFB Direct | 3.96% | $5000 |
| Capital One vs Varo Bank | 5.00% | $0 |
| Capital One vs Wells Fargo | 0.05% | $25 |
| Capital One vs Zynlo Bank | 4.20% | $10 |
Compare Chase Bank's APY of 0.01% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Chase Bank vs Ally Bank | 3.40% | $0 |
| Chase Bank vs American Express | 3.50% | $0 |
| Chase Bank vs Axos Bank | 4.51% | $0 |
| Chase Bank vs Bank of America | 0.01% | $100 |
| Chase Bank vs Barclays | 4.10% | $0 |
| Chase Bank vs BrioDirect | 4.20% | $5,000 |
| Chase Bank vs Chime | 3.75% | $0 |
| Chase Bank vs CIT Bank | 3.85% | $100 |
| Chase Bank vs Discover Bank | 3.40% | $0 |
| Chase Bank vs Elevault | 4.34% | $0 |
| Chase Bank vs EverBank | 4.05% | $0 |
| Chase Bank vs Fitness Bank | 4.75% | $100 |
| Chase Bank vs FVCbank | 4.10% | $500 |
| Chase Bank vs GO2bank | 4.50% | $0 |
| Chase Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Chase Bank vs Neighbors Bank | 4.50% | $0 |
| Chase Bank vs Newtek Bank | 4.35% | $0 |
| Chase Bank vs Peak Bank | 4.20% | $100 |
| Chase Bank vs Pibank | 4.60% | $0 |
| Chase Bank vs Presidential Bank | 4.50% | $5,000 |
| Chase Bank vs Santander Bank | 0.01% | $25 |
| Chase Bank vs SoFi Bank | 4.50% | $0 |
| Chase Bank vs Synchrony Bank | 3.80% | $0 |
| Chase Bank vs TIMBR | 4.40% | $1,000 |
| Chase Bank vs UFB Direct | 3.96% | $5000 |
| Chase Bank vs Varo Bank | 5.00% | $0 |
| Chase Bank vs Wells Fargo | 0.05% | $25 |
| Chase Bank vs Zynlo Bank | 4.20% | $10 |