Capital One vs. EverBank
Compare rates, requirements, and features side-by-side to find the best option for you.
Capital One
360 Performance Savings
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Capital One
360 Performance Savings
EverBank
Performance Savings
4.05%APYDec 6, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
EverBank
Performance Savings
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Comparison Analysis
Comparing Capital One vs. EverBank
Why Capital One?
- ✓Higher rated iOS app (4.9 vs 2.3)
- ✓Higher rated Android app (4.5 vs 1.4)
Why EverBank?
- ✓Higher potential APY (4.05% vs 3.40%) on all balances
— Key Feature Differences —
Better Returns at $10,000
EverBankEverBank's Performance Savings earns more on smaller deposits (approx. $405 vs $340/yr).
Better Returns at $25,000
EverBankEverBank's Performance Savings pulls ahead with larger amounts (approx. $1013 vs $850/yr).
Best for Simplicity
EverBankEverBank's Performance Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Capital OneCapital One offers an iOS app rated 4.9 (vs. 2.3) and Android app rated 4.5 (vs. 1.4)
Shared Benefits
Over a 1-year period, EverBank's Performance Savings pays $65 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
Executive Summary
EverBank offers a competitive Performance Savings account with an APY of 4.05%, which is notably higher than Capital One's 360 Performance Savings account at 3.40%. EverBank's account is online-only and does not require direct deposit, making it simple to manage. Additionally, it provides better returns on larger deposits compared to Capital One. While Capital One boasts a strong mobile app experience with high ratings, the superior APY from EverBank positions it as the more attractive option for savers looking for higher yields.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Capital One and EverBank.
| Feature | Capital One | EverBank |
|---|---|---|
| APY | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.05% Verified: 12/6/2025 ↘︎ 0.25%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 | iOS2.3 Android1.4 |
| BBB Rating | A+ | A+ |
| Next Steps |
Savings Comparison
EverBank earns $416.5 more than Capital One.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$2,467.00(12.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,467.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | EverBank |
|---|---|---|
| 360 Performance Savings | Performance Savings | |
Current APY | 3.40% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.6 | -2.8 |
Days Since Change | 66 | 78 |
10-Month High | 3.80% | 4.30% |
10-Month Low | 3.40% | 4.05% |
Adjustments / Mo | 0.38 | 0.09 |
Volatility Score | 0.033 | 0.027 |
How to read these metrics(Click to expand)
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