Capital One vs Chase Bank
High-Yield Savings Accounts Comparison
Last Updated: August 29, 2025
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Summary of Capital One vs. Chase Bank
As of August 29, 2025 Capital One offers an APY of 3.50% for its 360 Performance Savings account, compared to Chase Bank's 0.01% APY for its Chase Savings℠ account.
Capital One yields $349 more than Chase Bank on a $10,000 balance after one year. Capital One pays $350, while Chase Bank pays $1 - an APY advantage for Capital One.
Capital One
Strengths
- Capital One offers a competitive APY of 3.50%, significantly higher than Chase Bank's 0.01%.
- Capital One has an A+ BBB rating and is accredited, indicating strong trustworthiness.
- No maintenance fees for the 360 Performance Savings account.
Potential Drawbacks
- Capital One has over 200 branches, fewer than Chase Bank's extensive network.
- No direct deposit requirement may limit some users' options.
Chase Bank
Strengths
- Chase Bank has a strong App Store rating of 4.8, slightly lower than Capital One's 4.9.
- Chase offers a large branch network, providing more accessibility.
Potential Drawbacks
- Chase Bank's APY is only 0.01%, significantly lower than Capital One's offering.
- Chase has a $5 monthly maintenance fee for the Chase Savings℠ account.
Summary: Capital One's 360 Performance Savings account offers a much higher APY of 3.50% compared to Chase Bank's 0.01%, along with no maintenance fees and a better BBB rating. However, Capital One has fewer branches than Chase, which may affect accessibility for some customers. Chase Bank has a strong App Store rating and a larger branch network, but its savings account comes with a monthly fee and a significantly lower APY.
Compare Capital One's vs Chase Bank's Savings Accounts
| Capital One | Chase Bank | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Chase Savings℠ |
| APY | 3.50% (as of 8/29/2025) | 0.01% (as of 8/29/2025) | |
| 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 7 Months)
| Capital One | Chase Bank | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Chase Savings℠ |
| Latest APY | 3.50 % | 0.01 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.9 | 0.0 | |
| Rate Changes / Mo | 0.42 | 0.00 | |
| Days Since Last Change | 65 | 213 | |
| High (-7 m) | 3.80 % | 0.01 % | |
| Low (-7 m) | 3.50 % | 0.01 % | |
| Draw-down from High | -7.9 % | 0.0 % | |
| Volatility (CV) | 0.024 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 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 (-7 m)
- Highest APY in the last 213 days.
- Low (-7 m)
- Lowest APY in the last 213 days.
- Draw-down from High
- How far today sits below the 7-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: 3.50%
Total savings breakdown:
- Interest earned: $2,114.1 (10.51%)
- Total contributions: $13,000 (64.63%)
- Initial deposit: $5,000 (24.86%)
Your total balance
$20,114.10
Effective APY: 3.50% (based on your deposit and contributions)
Total balance: $20,114.1
Earnings: $2,114.1
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 $2,108.4 higher than Chase Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare Capital One's APY of 3.50% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Capital One vs Ally Bank | 3.50% | $0 |
| Capital One vs American Express | 3.50% | $0 |
| Capital One vs Axos Bank | 4.46% | $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 | 3.50% | $0 |
| Capital One vs Fitness Bank | 4.85% | $100 |
| Capital One vs Marcus by Goldman Sachs | 3.65% | $0 |
| Capital One vs Presidential Bank | 4.50% | $5,000 |
| Capital One vs SoFi Bank | 3.80% | $0 |
| Capital One vs Synchrony Bank | 3.80% | $0 |
| Capital One vs UFB Direct | 4.21% | $5000 |
| Capital One vs Varo Bank | 5.00% | $0 |
| Capital One vs Wells Fargo | 2.51% | $25 |
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 | 3.50% | $0 |
| Chase Bank vs Axos Bank | 4.46% | $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 | 3.50% | $0 |
| Chase Bank vs Fitness Bank | 4.85% | $100 |
| Chase Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Chase Bank vs Presidential Bank | 4.50% | $5,000 |
| Chase Bank vs SoFi Bank | 3.80% | $0 |
| Chase Bank vs Synchrony Bank | 3.80% | $0 |
| Chase Bank vs UFB Direct | 4.21% | $5000 |
| Chase Bank vs Varo Bank | 5.00% | $0 |
| Chase Bank vs Wells Fargo | 2.51% | $25 |