Capital One vs. Forbright Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Capital One vs. Forbright Bank
Key Metrics at a Glance
| Feature | Capital One | Forbright Bank |
|---|---|---|
| Top Savings APY | 3.40% 360 Performance Savings | 4.00% Growth Savings |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0 | $0 |
Capital One
Strengths
- Capital One offers 360 Performance Savings with a competitive APY of 3.40%.
- Capital One has over 200 branches across several states.
- Capital One has a high App Store rating of 4.9.
Potential Drawbacks
- Capital One's APY has not changed in the last 30 days.
- Capital One does not offer a higher APY tier for larger balances.
Forbright Bank
Strengths
- Forbright Bank's Growth Savings account offers a higher APY of 4.00%.
- Forbright Bank has a higher Google Play rating of 4.6.
- Forbright Bank provides multiple savings account options with competitive rates.
Potential Drawbacks
- Forbright Bank has limited branch locations in the Washington D.C. area.
- Forbright Bank's Bright Savings account requires a minimum balance of $250,000 for the highest APY.
→ As of November 12, 2025 Capital One offers an APY of 3.40% for its 360 Performance Savings account, with a minimum balance of $0, compared to Forbright Bank's 4.00% APY for its Growth Savings account, with a minimum balance of $0.
→ Forbright Bank yields $60 more than Capital One on a $10,000 balance after one year. Capital One pays $340, while Forbright Bank pays $400 - an APY advantage for Forbright Bank.
→ In addition, Forbright Bank also offers 3.65% APY for the Bright Savings account.
Calculate Savings Growth for Capital One vs Forbright Bank
Capital One - 360 Performance Savings
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 OverviewForbright Bank - Growth Savings
Total savings breakdown:
- Interest earned: $2,434.7 (11.91%)
- Total contributions: $13,000 (63.62%)
- Initial deposit: $5,000 (24.47%)
Your total balance
$20,434.70
Total balance: $20,434.7
Earnings: $2,434.7
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Capital One's total earnings would be $384.2 lower than Forbright Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Capital One's vs Forbright Bank's Savings Accounts
| Capital One | Forbright Bank | ||||
|---|---|---|---|---|---|
| Product | 360 Performance Savings | vs | Growth Savings | Bright Savings | Sprout Savings |
| APY | 3.40% (as of 11/12/2025) | 4.00% (as of 11/12/2025) | 2.75% - 3.65% (as of 11/12/2025) | 0.80% - 3.65% (as of 11/12/2025) | |
| Bundled Account | No | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | Yes | |
| Online Only | No | Yes | No | No | |
| Compound Frequency | Monthly | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $250 | $1 | |
| Minimum Balance for APY | $0 | $0 | $250,000 | $0.01 | |
| Maintenance Fee | $0 | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | No | No | |
| Eligibility | United States | United States | This account must be opened in a Forbright branch (Washington, D.C. metro area) | This account is for children under 18 years old, where the account custodian is an existing customer. It must be opened in a Forbright branch (Washington, D.C. metro area) | |
| Note | This is a tiered savings account, where the highest rate is obtained by meeting a minimum balance of $250,000. A lower APY of 2.75% may be obtained with as little as $0.01 in balance. See bank for more details and all tiers. | This is a tiered savings account, where the highest rate is capped at a balance of $9,999. A lower APY of 0.80% is applied to balances above that. See bank for more details. | |||
| App Store Rating | 4.9/5 | 4.8/5 | |||
| Google Play Rating | 4.5/5 | 4.6/5 | |||
| BBB Rating | A+ | A+ | |||
Comparative Historical APY Insights (Last 10 Months)
| Capital One | Forbright Bank | ||||
|---|---|---|---|---|---|
| Product | 360 Performance Savings | vs | Sprout Savings | Bright Savings | Growth Savings |
| Latest APY | 3.40 % | 3.65 % | 3.65 % | 4.00 % | |
| Trend | Sideways | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -3.7 | -2.7 | -2.7 | -1.8 | |
| Rate Changes / Mo | 0.41 | 0.10 | 0.10 | 0.10 | |
| Days Since Last Change | 43 | 43 | 43 | 35 | |
| High (-10 m) | 3.80 % | 3.90 % | 3.90 % | 4.25 % | |
| Low (-10 m) | 3.40 % | 3.65 % | 3.65 % | 4.00 % | |
| Draw-down from High | -10.5 % | -6.4 % | -6.4 % | -5.9 % | |
| Volatility (CV) | 0.032 | 0.026 | 0.026 | 0.021 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 10 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 (-10 m)
- Highest APY in the last 295 days.
- Low (-10 m)
- Lowest APY in the last 295 days.
- Draw-down from High
- How far today sits below the 10-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.