Capital One vs. Forbright Bank
Comparing Capital One and Forbright Bank for high-yield savings: Capital One's 360 Performance Savings pays 3.20% APY while Forbright Bank's Growth Savings pays 3.85% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Forbright Bank pays $65 more than Capital One annually ($385 vs $320).
Choose Capital One if you value in-person banking. Choose Forbright Bank if getting the best rate matters most.
| Metric | Capital One360 Performance Savings Apr 7, 2026 | Forbright BankGrowth Savings Apr 7, 2026 |
|---|---|---|
| APY | 3.20% | 3.85% |
Est. Earnings | $5,000+$160 $10,000+$320 $25,000+$800 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Capital One vs. Forbright Bank
Executive Summary
Forbright Bank offers a standout product with its Growth Savings account, featuring a competitive APY of 3.85%, compounded daily, and requiring no minimum deposit or maintenance fees. This account is noted for its simplicity, as it does not have direct deposit requirements or caps on the interest earned. In comparison, Capital One's 360 Performance Savings account provides a lower APY of 3.20% with similar terms, including no minimum deposit or maintenance fees. While both accounts are appealing, Forbright Bank's Growth Savings is the clear winner based on its higher yield.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Capital One?
No distinct advantages found vs Forbright Bank.
Why Forbright Bank?
- ✓Higher potential APY (3.45%-3.85% vs 3.20%) on all balances
- ✓Offers 3 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
Forbright BankForbright Bank's Growth Savings earns more on smaller deposits (approx. $385 vs $320/yr).
Better Returns at $25,000
Forbright BankForbright Bank's Growth Savings pulls ahead with larger amounts (approx. $963 vs $800/yr).
Best for Simplicity
Forbright BankForbright Bank's Growth Savings offers 3.85% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Forbright Bank's Growth Savings pays $65 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Capital One vs. Forbright Bank Savings Calculator
You earn $65 more with Forbright Bank 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+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
Forbright Bank
Growth Savings
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $319 per year in interest.
Both Capital One and Forbright Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Capital One | Forbright Bank |
|---|---|---|
| APY | 3.20% Verified: 4/7/2026 ↘︎ 0.20%90d Change | 3.85% Verified: 4/7/2026 ↘︎ 0.15%90d Change |
| Product Name | 360 Performance Savings | Growth Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | Locations in the Washington D.C. area (Maryland and Virginia) |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Available Branch accounts only; Growth Savings online does NOT support. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Forbright Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Forbright Bank | ||
|---|---|---|---|---|
| 360 Performance Savings | Sprout Savings | Bright Savings | Growth Savings | |
Current APY | 3.20% | 3.45% | 3.45% | 3.85% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -3.4 | -4.9 | -4.9 | -4.5 |
Days Since Change | 26 | 88 | 88 | 88 |
12-Month High | 3.70% | 3.90% | 3.90% | 4.25% |
12-Month Low | 3.20% | 3.45% | 3.45% | 3.85% |
Adjustments / Mo | 0.41 | 0.16 | 0.16 | 0.16 |
Volatility Score | 0.036 | 0.051 | 0.051 | 0.042 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Capital One's APY of 3.20% with other banks
Compare Forbright Bank's APY of 3.85% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Forbright Bank vs Ally Bank | 3.20% | $0 |
| Forbright Bank vs American Express | 3.20% | $0 |
| Forbright Bank vs Axos Bank | 4.21% | $0 |
| Forbright Bank vs Barclays | 3.85% | $0 |
| Forbright Bank vs Chime | 3.00% | $0 |
| Forbright Bank vs CIT Bank | 3.75% | $100 |
| Forbright Bank vs Discover Bank | 3.30% | $0 |
| Forbright Bank vs EverBank | 3.90% | $0 |
| Forbright Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Forbright Bank vs Newtek Bank | 4.20% | $0.01 |
| Forbright Bank vs Openbank | 4.00% | $500 |
| Forbright Bank vs Pibank | 4.60% | $0 |
| Forbright Bank vs SoFi Bank | 4.00% | $0 |
| Forbright Bank vs Synchrony Bank | 3.50% | $0 |
| Forbright Bank vs Varo Bank | 5.00% | $0 |
| Forbright Bank vs Wealthfront | 4.20% | $0 |