Capital One vs Chime
High-Yield Savings Accounts Comparison
Last Updated: May 30, 2025
Compare Capital One's vs Chime's Savings Accounts
- Affirm - 3.85% APY
- All America Bank - 1.50-3.25% APY
- Ally Bank - 3.60% APY
- Amalgamated Bank - 2.25% APY
- American Express - 3.60% APY
- Axos Bank - 4.66% APY
- Bank5 Connect - 4.05% APY
- Bank of America - 0.01% APY
- Barclays - 4.00-4.20% APY
- Bask Bank - 4.20% APY
- Betterment - 4.00% APY
- BMO Alto - 3.60% APY
- Bread Savings - 4.30% APY
- BrioDirect - 4.30% APY
- Carver Bank - 4.00% APY
- Charles Schwab Bank - 0.15% APY
- Chase Bank - 0.01% APY
- CIBC Bank USA - 4.11% APY
- CIT Bank - 0.25-4.10% APY
- Citibank - 3.60% APY
- Citizens Access™ - 3.70% APY
- Colorado Federal Savings Bank - 4.25% APY
- ConnectOne Bank - 4.00% APY
- Customers Bank - 4.23% APY
- Discover Bank - 3.60% APY
- E*TRADE from Morgan Stanley - 4.00% APY
- EverBank - 4.30% APY
- Evergreen Bank Group - 4.25% APY
- First Foundation Bank - 4.25% APY
- Fitness Bank - 5.00% APY
- Flagstar Bank - 4.00% APY
- Forbright Bank - 4.25% APY
- FVCbank - 4.45% APY
- High Plains Bank - 0.23-3.82% APY
- Jenius Bank - 4.20% APY
- LendingClub - 3.40-4.40% APY
- Live Oak Bank - 4.10% APY
- Marcus by Goldman Sachs - 3.65% APY
- My Banking Direct - 4.40% APY
- MySavingsDirect - 3.75% APY
- Neighbors Bank - 4.60% APY
- Newtek Bank - 4.35% APY
- OMB Bank - 4.56% APY
- Openbank - 4.40% APY
- Peak Bank - 4.44% APY
- Pibank - 4.60% APY
- PNC - 3.95% APY
- Poppy Bank - 4.25% APY
- Popular Direct - 4.05% APY
- Presidential Bank - 4.00-4.50% APY
- Prime Alliance Bank - 4.15% APY
- Primis Bank - 4.35% APY
- Quontic Bank - 3.85% APY
- RBMAX - 4.15% APY
- Rising Bank - 4.30% APY
- ROGER - 4.65% APY
- Salem Five Direct - 4.01% APY
- Sallie Mae Bank - 3.90% APY
- Santander Bank - 0.03% APY
- SoFi Bank - 3.80% APY
- Synchrony Bank - 4.00% APY
- TAB Bank - 4.26% APY
- TD Bank - 0.05-3.25% APY
- The State Exchange Bank - 4.10% APY
- TIMBR - 4.40% APY
- UFB Direct - 4.01-4.21% APY
- Upgrade - 4.02% APY
- Valley Direct - 4.40% APY
- Varo Bank - 2.50-5.00% APY
- Western Alliance Bank - 4.30% APY
- Zynlo Bank - 4.35% APY
| Bank | Capital One | |
|---|---|---|
| Product | 360 Performance Savings | Chime Savings Account |
| APY | 3.60% (as of 5/30/2025) | 1.25% - 3.75% (as of 5/30/2025) |
| Bundled Account | No | Yes |
| FDIC-insured | Yes | Yes |
| Online Only | No | Yes |
| Compound Frequency | Monthly | Daily |
| Minimum Deposit | $0 | $0 |
| Minimum Balance for APY | $0 | $0.01 |
| Maintenance Fee | $0 | $0 |
| Direct Deposit Required | No | Yes. You need to receive a qualifying direct deposit of $200 or more within the preceding 34 days |
| App Store Rating | 4.9/5 | 4.8/5 |
| Google Play Rating | 4.5/5 | 4.7/5 |
| BBB Rating | A+ | B- |
| Note | N/A | Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. To open a savings account you must first open a checking account. To qualify for Chime+ with the 3.75% APY, you must have a Chime Checking account and receive a direct deposit of at least $200. Otherwise, the APY is 1.25%. |
| Visit | Capital One's 360 Performance Savings | Chime's Chime Savings Account |
Historical APY Insights (Last 4 Months)
| Capital One | Chime | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Chime Savings Account |
| Latest APY | 3.60 % | 3.75 % | |
| Trend | Sideways | Rising | |
| Slope (bps/mo) | -4.5 | 66.0 | |
| Rate Changes / Mo | 0.50 | 0.25 | |
| Days Since Last Change | 52 | 60 | |
| High (-4 m) | 3.80 % | 3.75 % | |
| Low (-4 m) | 3.60 % | 2.00 % | |
| Draw-down from High | -5.3 % | 0.0 % | |
| Volatility (CV) | 0.016 | 0.304 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 12 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 (-4 m)
- Highest APY in the last 121 days.
- Low (-4 m)
- Lowest APY in the last 121 days.
- Draw-down from High
- How far today sits below the 12-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 Chime
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 DetailsChime
APY: 3.75%
Total savings breakdown:
- Interest earned: $38 (3.66%)
- Total contributions: $0 (0.00%)
- Initial deposit: $1,000 (96.34%)
Your total balance
$1,038.00
Effective APY: 3.75% (based on your deposit and contributions)
Total balance: $1,038
Earnings: $38
Bank DetailsAfter 1 year, Capital One would earn you $2 less than Chime.