Capital One vs Chase Bank
High-Yield Savings Accounts Comparison
Last Updated: June 20, 2025
Summary of Capital One vs. Chase Bank
As of June 20, 2025 Capital One offers an APY of 3.60% for its 360 Performance Savings account, compared to Chase Bank's 0.01% APY for its Chase Savings℠ account.
Capital One yields $359 more than Chase Bank on a $10,000 balance after one year. Capital One pays $360, while Chase Bank pays $1 - an APY advantage for Capital One.
Capital One
Strengths
- Capital One offers a competitive APY of 3.60%, unchanged from 30 days ago.
- Capital One has an A+ BBB rating and is BBB Accredited.
- Capital One has over 200 branches across several states.
Potential Drawbacks
- No direct deposit requirement may limit some users' options.
- Capital One's app ratings are slightly higher than Chase's on the App Store.
Chase Bank
Strengths
- Chase Bank's app has a solid rating of 4.8 on the App Store.
- Chase offers a $0 minimum deposit and balance for their savings account.
Potential Drawbacks
- Chase's APY is significantly lower at 0.01%, unchanged from 30 days ago.
- Chase charges a $5 maintenance fee unless specific conditions are met.
- Chase has no physical branches, limiting in-person banking options.
Summary: Capital One provides a much higher APY of 3.60% with no maintenance fees, while Chase Bank offers a very low APY of 0.01% and charges a $5 maintenance fee. Capital One has over 200 branches and a better BBB rating, making it more accessible and trustworthy. Chase, while having a slightly lower app rating, offers a user-friendly experience without a minimum deposit requirement, but the lack of branches may deter some customers.
Compare Capital One's vs Chase Bank's Savings Accounts
| Capital One | Chase Bank | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Chase Savings℠ |
| APY | 3.60% (as of 6/20/2025) | 0.01% (as of 6/20/2025) | |
| 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 | N/A | 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. | |
| Visit Bank | 360 Performance Savings | Chase Savings℠ | |
| 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 5 Months)
| Capital One | Chase Bank | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Chase Savings℠ |
| Latest APY | 3.60 % | 0.01 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.8 | 0.0 | |
| Rate Changes / Mo | 0.42 | 0.00 | |
| Days Since Last Change | 75 | 143 | |
| High (-5 m) | 3.80 % | 0.01 % | |
| Low (-5 m) | 3.60 % | 0.01 % | |
| Draw-down from High | -5.3 % | 0.0 % | |
| Volatility (CV) | 0.017 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 5 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 (-5 m)
- Highest APY in the last 144 days.
- Low (-5 m)
- Lowest APY in the last 144 days.
- Draw-down from High
- How far today sits below the 5-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.
Calculate Savings Growth for Capital One vs Chase Bank
All calculations are based on APY.
Capital One
APY: 3.60%
Total savings breakdown:
- Interest earned: $36 (3.47%)
- Total contributions: $0 (0.00%)
- Initial deposit: $1,000 (96.53%)
Your total balance
$1,036.00
Effective APY: 3.60% (based on your deposit and contributions)
Total balance: $1,036
Earnings: $36
Bank DetailsChase Bank
APY: 0.01%
Total savings breakdown:
- Interest earned: $0.1 (0.01%)
- Total contributions: $0 (0.00%)
- Initial deposit: $1,000 (99.99%)
Your total balance
$1,000.10
Effective APY: 0.01% (based on your deposit and contributions)
Total balance: $1,000.1
Earnings: $0.1
Bank DetailsAfter 1 year Capital One would earn you $35.9 more than Chase Bank.
More Comparisons
Compare Capital One's APY of 3.60% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Capital One vs Ally Bank | 3.50% | $0 |
| Capital One vs American Express | 3.60% | $0 |
| Capital One vs Axos Bank | 4.66% | $0 |
| Capital One vs Bank of America | 0.01% | $100 |
| Capital One vs Barclays | 4.10% | $0 |
| Capital One vs Chime | 3.75% | $0 |
| Capital One vs CIT Bank | 4.00% | $100 |
| Capital One vs Discover Bank | 3.60% | $0 |
| Capital One vs Fitness Bank | 5.00% | $100 |
| Capital One vs Marcus by Goldman Sachs | 3.65% | $0 |
| Capital One vs SoFi Bank | 3.80% | $0 |
| Capital One vs Synchrony Bank | 3.80% | $0 |
| Capital One vs Varo Bank | 5.00% | $0 |
Compare Chase Bank's APY of 0.01% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Chase Bank vs Ally Bank | 3.50% | $0 |
| Chase Bank vs American Express | 3.60% | $0 |
| Chase Bank vs Axos Bank | 4.66% | $0 |
| Chase Bank vs Bank of America | 0.01% | $100 |
| Chase Bank vs Barclays | 4.10% | $0 |
| Chase Bank vs Chime | 3.75% | $0 |
| Chase Bank vs CIT Bank | 4.00% | $100 |
| Chase Bank vs Discover Bank | 3.60% | $0 |
| Chase Bank vs Fitness Bank | 5.00% | $100 |
| Chase Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Chase Bank vs SoFi Bank | 3.80% | $0 |
| Chase Bank vs Synchrony Bank | 3.80% | $0 |
| Chase Bank vs Varo Bank | 5.00% | $0 |