Capital One vs. EverBank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 21, 2026 | EverBankPerformance Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 3.90% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Capital One vs. EverBank
As of Capital One offers an APY of 3.30% for its 360 Performance Savings account, with a minimum balance of $0, compared to EverBank's 3.90% APY for its Performance Savings account, with a minimum balance of $0.
EverBank pays $60 more than Capital One on a $10,000 balance after one year. Capital One pays $330, while EverBank pays $390 - an APY advantage for EverBank.
Why Capital One?
No distinct advantages found vs EverBank.
Why EverBank?
- ✓Higher potential APY (3.90% vs 3.30%) on all balances
— Key Feature Differences —
Better Returns at $10,000
EverBankEverBank's Performance Savings earns more on smaller deposits (approx. $390 vs $330/yr).
Better Returns at $25,000
EverBankEverBank's Performance Savings pulls ahead with larger amounts (approx. $975 vs $825/yr).
Best for Simplicity
EverBankEverBank's Performance Savings offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, EverBank's Performance Savings pays $60 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
EverBank offers a superior savings option with its Performance Savings account, featuring an APY of 3.90%, compared to Capital One's 360 Performance Savings account, which has an APY of 3.30%. EverBank's account is online-only and provides better returns at various deposit levels, making it an attractive choice for savers. Both banks have no minimum deposit or maintenance fees, and neither requires direct deposit. For those seeking a straightforward savings account without additional conditions, EverBank stands out as the winner.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Capital One vs. EverBank Savings Calculator
You earn $60 more with EverBank than Capital One on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | EverBank |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 3.90% Verified: 1/21/2026 ↘︎ 0.15%90d Change |
| Product Name | 360 Performance Savings | Performance Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.5 | iOS4.7 Android4.8 |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Available Native integration verified. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at EverBank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | EverBank |
|---|---|---|
| 360 Performance Savings | Performance Savings | |
Current APY | 3.30% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.4 | -3.6 |
Days Since Change | 13 | 33 |
12-Month High | 3.80% | 4.30% |
12-Month Low | 3.30% | 3.90% |
Adjustments / Mo | 0.41 | 0.16 |
Volatility Score | 0.036 | 0.036 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Capital One vs...
Comparing against Standard Savings
Compare EverBank vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.