High-Yield Savings Account Comparison

Capital One vs. FNBO Direct

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

Capital One

360 Performance Savings

3.40%
APY
Dec 6, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Branch AccessOver 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.
Deposit InsuranceFDIC Insured(Cert: 4297)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.5
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.10%
Since 90 days ago
Read Bank Overview

FNBO Direct

High-Yield Online Savings Account

3.00%
APY
Dec 6, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0.01
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5452)
EligibilityUnited States
Mobile Ratings
iOS:4.5Android:4.8
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

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.

See Top Rates

Comparison Analysis

Comparing Capital One vs. FNBO Direct

Updated: Dec 6, 2025

Why Capital One?

  • ✓Higher potential APY (3.40% vs 3.00%) on all balances
  • ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
  • ✓Higher rated iOS app (4.9 vs 4.5)

Why FNBO Direct?

No distinct advantages found vs Capital One.

— Key Feature Differences —

Better Returns at $10,000
Capital One

Capital One's 360 Performance Savings earns more on smaller deposits (approx. $340 vs $300/yr).

Better Returns at $25,000
Capital One

Capital One's 360 Performance Savings pulls ahead with larger amounts (approx. $850 vs $750/yr).

Best for Simplicity
Capital One

Capital One's 360 Performance Savings offers 3.40% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
Capital One

Capital One offers an iOS app rated 4.9 (vs. 4.5) and Android app rated 4.5 (vs. 4.8)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, Capital One's 360 Performance Savings pays $40 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.

FNBO DirectCapital One
Automated Data Audit

Executive Summary

Capital One offers the 360 Performance Savings account with a competitive APY of 3.40%, making it the winner in this comparison. This account requires no minimum deposit or balance, and there are no maintenance fees or direct deposit requirements, which simplifies access for users. In contrast, FNBO Direct's High-Yield Online Savings Account provides a slightly lower APY of 3.00% and requires a minimum deposit of $1, though it also has no maintenance fees. Overall, Capital One's offering stands out for its higher yield and user-friendly features.

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.

ExploreCapital OneExploreFNBO Direct

Stop Losing Interest

See who beats both Capital One and FNBO Direct.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+1.20% vs Capital One
Better Rate
Pibank vs Capital OnePibank vs FNBO Direct
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+1.10% vs Capital One
Better Rate
Neighbors Bank vs Capital OneNeighbors Bank vs FNBO Direct
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.91% vs Capital One
Better Rate
Axos Bank vs Capital OneAxos Bank vs FNBO Direct
FeatureCapital OneFNBO Direct
APY
3.40%
Verified: 12/6/2025
↘︎ 0.10%90d Change
3.00%
Verified: 12/6/2025
↘︎ 0.25%90d Change
Product Name360 Performance SavingsHigh-Yield Online Savings Account
Minimum Deposit$0$1
Min. Balance for APY$0$0.01
Monthly Fee$0$0
Branch AccessYesNone
Account Type
Online & Branches
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.9
Android4.5
iOS4.5
Android4.8
BBB RatingA+A+
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

Capital One earns $252.3 more than FNBO Direct.

Capital One

360 Performance Savings

3.40% APY

Savings Breakdown

  • Interest Earned
    +$2,050.50(10.2%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,050.50

Effective APY
3.40%
View Details

FNBO Direct

High-Yield Online Savings Account

3.00% APY

Savings Breakdown

  • Interest Earned
    +$1,798.20(9.1%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,798.20

Effective APY
3.00%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 4 Months Analysis
MetricCapital OneFNBO Direct
360 Performance SavingsHigh-Yield Online Savings Account
Current APY
3.40%3.00%
Trend
 Stable Stable
Velocity (bps/mo)
-3.3-8.3
Days Since Change
6664
4-Month High
3.50%3.25%
4-Month Low
3.40%3.00%
Adjustments / Mo
0.220.22
Volatility Score
0.0140.040
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 135-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar High-Yield Accounts

Compare Capital One vs...

Comparing against Standard Savings

vs Capital One
PibankNo Bundle Req
4.60%
APY
vs Capital One
Neighbors BankNo Bundle Req
4.50%
APY
vs Capital One
TIMBRNo Bundle Req
4.40%
APY

Compare FNBO Direct vs...

Comparing against Standard Savings

vs FNBO Direct
PibankNo Bundle Req
4.60%
APY
vs FNBO Direct
Neighbors BankNo Bundle Req
4.50%
APY
vs FNBO Direct
TIMBRNo Bundle Req
4.40%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
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Presidential Bank View Details
4.00%
APY

More Comparisons

Compare Capital One's APY of 3.40% with other banks
Bank PairCompetitor APYMin Deposit
Capital One vs Ally Bank3.30%$0
Capital One vs American Express3.40%$0
Capital One vs Axos Bank4.31%$0
Capital One vs Bank of America0.01%$100
Capital One vs Barclays4.00%$0
Capital One vs Bask Bank3.90%$0
Capital One vs BMO Alto3.25%$0
Capital One vs BrioDirect4.00%$5,000
Capital One vs Chase Bank0.01%$0
Capital One vs Chime3.50%$0
Capital One vs CIT Bank3.75%$100
Capital One vs Citibank3.30%$0
Capital One vs Citizens Access™3.35%$0.01
Capital One vs Climate First Bank4.21%$50
Capital One vs Discover Bank3.40%$0
Capital One vs Elevault4.08%$0
Capital One vs EverBank4.05%$0
Capital One vs Fitness Bank4.75%$100
Capital One vs Forbright Bank4.00%$0
Capital One vs FVCbank3.85%$500
Capital One vs GO2bank4.50%$0
Capital One vs Ivy Bank4.25%$2,500
Capital One vs LendingClub4.20%$0
Capital One vs Marcus by Goldman Sachs3.65%$0
Capital One vs Neighbors Bank4.50%$0
Capital One vs Newtek Bank4.35%$0.01
Capital One vs Openbank4.20%$500
Capital One vs Peak Bank4.20%$100
Capital One vs Pibank4.60%$0
Capital One vs PNC3.53%$0
Capital One vs Presidential Bank4.00%$5,000
Capital One vs Quontic Bank3.75%$100
Capital One vs Salem Five Direct3.71%$10
Capital One vs Santander Bank0.01%$25
Capital One vs SoFi Bank4.30%$0
Capital One vs Synchrony Bank3.65%$0
Capital One vs TIMBR4.40%$1,000
Capital One vs UFB Direct3.71%$5000
Capital One vs Valley Direct4.10%$1,000
Capital One vs Varo Bank5.00%$0
Capital One vs Vio Bank4.16%$100
Capital One vs Wealthfront4.15%$0
Capital One vs Wells Fargo0.05%$25
Capital One vs Zynlo Bank4.05%$10
Compare FNBO Direct's APY of 3.00% with other banks
Bank PairCompetitor APYMin Deposit
FNBO Direct vs Ally Bank3.30%$0
FNBO Direct vs American Express3.40%$0
FNBO Direct vs Axos Bank4.31%$0
FNBO Direct vs Bank of America0.01%$100
FNBO Direct vs Barclays4.00%$0
FNBO Direct vs Bask Bank3.90%$0
FNBO Direct vs BMO Alto3.25%$0
FNBO Direct vs BrioDirect4.00%$5,000
FNBO Direct vs Chase Bank0.01%$0
FNBO Direct vs Chime3.50%$0
FNBO Direct vs CIT Bank3.75%$100
FNBO Direct vs Citibank3.30%$0
FNBO Direct vs Citizens Access™3.35%$0.01
FNBO Direct vs Climate First Bank4.21%$50
FNBO Direct vs Discover Bank3.40%$0
FNBO Direct vs Elevault4.08%$0
FNBO Direct vs EverBank4.05%$0
FNBO Direct vs Fitness Bank4.75%$100
FNBO Direct vs Forbright Bank4.00%$0
FNBO Direct vs FVCbank3.85%$500
FNBO Direct vs GO2bank4.50%$0
FNBO Direct vs Ivy Bank4.25%$2,500
FNBO Direct vs LendingClub4.20%$0
FNBO Direct vs Marcus by Goldman Sachs3.65%$0
FNBO Direct vs Neighbors Bank4.50%$0
FNBO Direct vs Newtek Bank4.35%$0.01
FNBO Direct vs Openbank4.20%$500
FNBO Direct vs Peak Bank4.20%$100
FNBO Direct vs Pibank4.60%$0
FNBO Direct vs PNC3.53%$0
FNBO Direct vs Presidential Bank4.00%$5,000
FNBO Direct vs Quontic Bank3.75%$100
FNBO Direct vs Salem Five Direct3.71%$10
FNBO Direct vs Santander Bank0.01%$25
FNBO Direct vs SoFi Bank4.30%$0
FNBO Direct vs Synchrony Bank3.65%$0
FNBO Direct vs TIMBR4.40%$1,000
FNBO Direct vs UFB Direct3.71%$5000
FNBO Direct vs Valley Direct4.10%$1,000
FNBO Direct vs Varo Bank5.00%$0
FNBO Direct vs Vio Bank4.16%$100
FNBO Direct vs Wealthfront4.15%$0
FNBO Direct vs Wells Fargo0.05%$25
FNBO Direct vs Zynlo Bank4.05%$10