Capital One vs Chase Bank
High-Yield Savings Accounts Comparison

Last Updated: July 15, 2025

Summary of Capital One vs. Chase Bank

As of July 15, 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%, down from 3.60% last month.
  • Capital One has an A+ BBB rating and is BBB Accredited.
  • Capital One has over 200 branches across multiple states.

Potential Drawbacks

  • Capital One's 360 Performance Savings account does not have a direct deposit requirement.

Chase Bank

Strengths

  • Chase Bank has a user-friendly app with a 4.8 App Store rating.
  • Chase Bank's savings account has no minimum deposit requirement.

Potential Drawbacks

  • Chase Bank offers a very low APY of 0.01%, unchanged from last month.
  • Chase Bank has a $5 maintenance fee unless certain conditions are met.
  • Chase Bank has no physical branches listed.
Summary: Capital One provides a significantly higher APY of 3.50% compared to Chase Bank's 0.01%. Additionally, Capital One has a stronger A+ BBB rating and offers over 200 branches, while Chase Bank has no branches listed and charges a $5 maintenance fee. Both banks have similar Google Play ratings, but Capital One has a slight edge in the App Store with a 4.9 rating compared to Chase's 4.8.

Compare Capital One's vs Chase Bank's Savings Accounts

Capital OneChase Bank
Product360 Performance SavingsvsChase Savings℠
APY
3.50% (as of 7/15/2025)0.01% (as of 7/15/2025)
Bundled Account
NoNo
FDIC-insured
YesYes
Online OnlyNoNo
Compound Frequency
MonthlyMonthly
Minimum Deposit$0$0
Minimum Balance for APY$0$0
Maintenance Fee$0$5
Direct Deposit Required
NoNo
NoteN/AAPY 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 Bank360 Performance SavingsChase Savings℠
App Store Rating4.9/54.8/5
Google Play Rating4.5/54.5/5
BBB RatingA+A-

Comparative Historical APY Insights (Last 6 Months)

Capital OneChase Bank
Product360 Performance SavingsvsChase Savings℠
Latest APY3.50 %0.01 %
TrendSidewaysSideways
Slope (bps/mo)-4.20.0
Rate Changes / Mo0.540.00
Days Since Last Change19167
High (-6 m)3.80 %0.01 %
Low (-6 m)3.50 %0.01 %
Draw-down from High-7.9 %0.0 %
Volatility (CV)0.0210.000
APY Insights Glossary
Latest APY
Most recent advertised annual-percentage yield.
Trend
Direction over the last 6 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 (-6 m)
Highest APY in the last 168 days.
Low (-6 m)
Lowest APY in the last 168 days.
Draw-down from High
How far today sits below the 6-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: $35 (3.38%)
  • Total contributions: $0 (0.00%)
  • Initial deposit: $1,000 (96.62%)

Your total balance

$1,035.00

Effective APY: 3.50% (based on your deposit and contributions)

Total balance: $1,035

Earnings: $35

Bank Details

Chase 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 Details

After 1 year Capital One would earn you $34.9 more than Chase Bank.

More Comparisons

Compare Capital One's APY of 3.50% with other banks
Compare Chase Bank's APY of 0.01% with other banks