Capital One vs. FVCbank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 21, 2026 | FVCbankAdvantage Direct Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 3.85% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $0 | $500 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredLow MinimumsGreat iOS 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. FVCbank
As of Capital One offers an APY of 3.30% for its 360 Performance Savings account, with a minimum balance of $0, compared to FVCbank's 3.85% APY for its Advantage Direct Savings account, with a minimum balance of $500.
FVCbank pays $55 more than Capital One on a $10,000 balance after one year. Capital One pays $330, while FVCbank pays $385 - an APY advantage for FVCbank.
Why Capital One?
- ✓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 4.4)
- ✓Higher rated Android app (4.5 vs 3.6)
Why FVCbank?
- ✓Higher potential APY (3.85% vs 3.30%) on all balances
— Key Feature Differences —
Better Returns at $10,000
FVCbankFVCbank's Advantage Direct Savings earns more on smaller deposits (approx. $385 vs $330/yr).
Better Returns at $25,000
FVCbankFVCbank's Advantage Direct Savings pulls ahead with larger amounts (approx. $963 vs $825/yr).
Best for Simplicity
FVCbankFVCbank's Advantage Direct Savings offers 3.85% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Capital OneCapital One offers an iOS app rated 4.9 (vs. 4.4) and Android app rated 4.5 (vs. 3.6)
Shared Benefits
Over a 1-year period, FVCbank's Advantage Direct Savings pays $55 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.
Executive Summary as of
FVCbank offers the Advantage Direct Savings account with a competitive APY of 3.85%, making it the clear winner in this comparison. This account is online-only and requires a minimum deposit and balance of $500, but it boasts no maintenance fees or direct deposit requirements. In contrast, Capital One's 360 Performance Savings account provides a lower APY of 3.30% with no minimum deposit or balance requirements, and it is accessible through both online and mobile platforms. For those looking for higher returns, FVCbank's offering is the superior choice.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
Capital One vs. FVCbank Savings Calculator
You earn $55 more with FVCbank 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+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
FVCbank
Advantage Direct 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.
| Feature | Capital One | FVCbank |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 3.85% Verified: 1/21/2026 ↘︎ 0.25%90d Change |
| Product Name | 360 Performance Savings | Advantage Direct Savings |
| Minimum Deposit | $0 | $500 |
| Min. Balance for APY | $0 | $500 |
| 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 | iOS4.4 Android3.6 |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Available Integrated into mobile app. |
| BBB Rating | A+ | B- |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at FVCbank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | FVCbank |
|---|---|---|
| 360 Performance Savings | Advantage Direct Savings | |
Current APY | 3.30% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.2 | -8.4 |
Days Since Change | 13 | 81 |
10-Month High | 3.70% | 4.55% |
10-Month Low | 3.30% | 3.85% |
Adjustments / Mo | 0.39 | 0.78 |
Volatility Score | 0.029 | 0.064 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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