Capital One vs. FNBO Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 21, 2026 | FNBO DirectHigh-Yield Online Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 3.00% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$150 $10,000+$300 $25,000+$750 |
Min Deposit | $0 | $1 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredLow 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. FNBO Direct
As of Capital One offers an APY of 3.30% 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 pays $30 more than FNBO Direct on a $10,000 balance after one year. Capital One pays $330, while FNBO Direct pays $300 - an APY advantage for Capital One.
Why Capital One?
- ✓Higher potential APY (3.30% 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 OneCapital One's 360 Performance Savings earns more on smaller deposits (approx. $330 vs $300/yr).
Better Returns at $25,000
Capital OneCapital One's 360 Performance Savings pulls ahead with larger amounts (approx. $825 vs $750/yr).
Best for Simplicity
Capital OneCapital One's 360 Performance Savings offers 3.30% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Capital One's 360 Performance Savings pays $30 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Capital One offers a competitive 360 Performance Savings account with a 3.30% APY, making it the winner in this comparison. This account has no direct deposit requirement, no maintenance fees, and allows for a minimum deposit of $0. In contrast, FNBO Direct's High-Yield Online Savings Account provides a slightly lower APY of 3.00%, also with no direct deposit requirement and a minimum deposit of $1. Both accounts are online-only and FDIC insured, but Capital One's higher yield positions it as the better choice for savers.
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. FNBO Direct Savings Calculator
You earn $30 more with Capital One than FNBO Direct 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
FNBO Direct
High-Yield Online Savings Account
Savings Breakdown
- Interest Earned+$300.00(2.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,300.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | FNBO Direct |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 3.00% Verified: 1/21/2026 Stable (90d) |
| Product Name | 360 Performance Savings | High-Yield Online Savings Account |
| Minimum Deposit | $0 | $1 |
| Min. Balance for APY | $0 | $0.01 |
| 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 | iOS4.5 Android4.8 |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Available Online division fully supports Zelle. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at FNBO Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | FNBO Direct |
|---|---|---|
| 360 Performance Savings | High-Yield Online Savings Account | |
Current APY | 3.30% | 3.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.0 | -5.7 |
Days Since Change | 13 | 110 |
6-Month High | 3.50% | 3.25% |
6-Month Low | 3.30% | 3.00% |
Adjustments / Mo | 0.33 | 0.17 |
Volatility Score | 0.017 | 0.038 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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