Capital One vs. Fnbo Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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Summary of Capital One vs. FNBO Direct
Key Metrics at a Glance
| Feature | Capital One | FNBO Direct |
|---|---|---|
| Top Savings APY | 3.40% 360 Performance Savings | 3.00% High-Yield Online Savings Account |
| Minimum to Open | $0 | $1 |
| Minimum Balance for Top APY | $0 | $0.01 |
Capital One
Strengths
- Capital One offers a higher APY of 3.40% compared to FNBO Direct's 3.00%.
- Capital One has over 200 branches across several states, providing physical access.
- Capital One has an A+ BBB rating and is BBB Accredited.
Potential Drawbacks
- Capital One's APY decreased from 3.50% in the last 30 days.
- Capital One's App Store rating is slightly lower at 4.9 compared to FNBO Direct.
FNBO Direct
Strengths
- FNBO Direct's App Store rating is 4.5, while its Google Play rating is higher at 4.8.
- FNBO Direct's APY was 3.25% 30 days ago, showing an increase to 3.00%.
Potential Drawbacks
- FNBO Direct has no physical branches, limiting in-person access.
- FNBO Direct's BBB rating is Not Rated, indicating a lack of accreditation.
→ As of October 16, 2025 Capital One offers an APY of 3.40% for its 360 Performance Savings account, with a minimum balance of $0, compared to FNBO Direct's 3.00% APY for its High-Yield Online Savings Account, with a minimum balance of $0.01.
→ Capital One yields $40 more than FNBO Direct on a $10,000 balance after one year. Capital One pays $340, while FNBO Direct pays $300 - an APY advantage for Capital One.
Calculate Savings Growth for Capital One vs FNBO Direct
Capital One
Total savings breakdown:
- Interest earned: $2,050.5 (10.23%)
- Total contributions: $13,000 (64.84%)
- Initial deposit: $5,000 (24.94%)
Your total balance
$20,050.50
Total balance: $20,050.5
Earnings: $2,050.5
Bank OverviewFNBO Direct
Total savings breakdown:
- Interest earned: $1,798.2 (9.08%)
- Total contributions: $13,000 (65.66%)
- Initial deposit: $5,000 (25.25%)
Your total balance
$19,798.20
Total balance: $19,798.2
Earnings: $1,798.2
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Capital One's total earnings would be $252.3 higher than FNBO Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Capital One's vs FNBO Direct's Savings Accounts
| Capital One | FNBO Direct | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | High-Yield Online Savings Account |
| APY | 3.40% (as of 10/16/2025) | 3.00% (as of 10/16/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | No | |
| Compound Frequency | Monthly | Monthly | |
| Minimum Deposit | $0 | $1 | |
| Minimum Balance for APY | $0 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.9/5 | 4.5/5 | |
| Google Play Rating | 4.5/5 | 4.8/5 | |
| BBB Rating | A+ | Not Rated |
Comparative Historical APY Insights (Last 3 Months)
| Capital One | FNBO Direct | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | High-Yield Online Savings Account |
| Latest APY | 3.40 % | 3.00 % | |
| Trend | Sideways | Falling | |
| Slope (bps/mo) | -3.3 | -7.7 | |
| Rate Changes / Mo | 0.36 | 0.36 | |
| Days Since Last Change | 15 | 13 | |
| High (-3 m) | 3.50 % | 3.25 % | |
| Low (-3 m) | 3.40 % | 3.00 % | |
| Draw-down from High | -2.9 % | -7.7 % | |
| Volatility (CV) | 0.011 | 0.029 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 3 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 (-3 m)
- Highest APY in the last 84 days.
- Low (-3 m)
- Lowest APY in the last 84 days.
- Draw-down from High
- How far today sits below the 3-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.