Capital One vs. GO2bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Capital One
360 Performance Savings
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Capital One
360 Performance Savings
GO2bank
High Yield Savings
Up to4.50%APYDec 6, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppRange: 0.00% – 4.50%Show Fine Print & Trends Hide Details
GO2bank
High Yield Savings
Comparison Analysis
Comparing Capital One vs. GO2bank
Why Capital One?
- ✓No checking account or direct deposit required
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
Why GO2bank?
- ✓Higher potential APY (4.50% vs 3.40%) on balances up to $5,000 (requires checking bundle)
— Key Feature Differences —
Better Returns at $10,000
Capital OneCapital One's 360 Performance Savings earns more on smaller deposits (approx. $340 vs $225/yr).
Better Returns at $25,000
Capital OneCapital One's 360 Performance Savings pulls ahead with larger amounts (approx. $850 vs $225/yr).
Best for Simplicity
Capital OneCapital One's 360 Performance Savings offers 3.40% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Capital One's 360 Performance Savings pays $115 more interest on a $10,000 balance than GO2bank's High Yield Savings.
Executive Summary
GO2bank offers a High Yield Savings account with a competitive APY of 4.50%, but it requires a GO2bank checking account to open the savings account. Notably, this APY is applicable only on balances up to $5,000, with higher amounts earning no interest. In contrast, Capital One's 360 Performance Savings provides a solid APY of 3.40% with no direct deposit requirement, minimum balance, or maintenance fees, making it an attractive option for those seeking simplicity. While GO2bank has a higher APY, the conditions on balance limits and the requirement for a checking account may influence customer choice.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Capital One and GO2bank.
| Feature | Capital One | GO2bank |
|---|---|---|
| APY | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.50% 0Verified: 12/6/2025 Stable (90d) |
| Product Name | 360 Performance Savings | High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $5 per month, unless you set up direct deposit |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.9 Android4.5 | iOS4.8 Android4.5 |
| BBB Rating | A+ | Not Rated |
| Important Notes | - | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest. |
| Next Steps |
Savings Comparison
Capital One earns $819.6 more than GO2bank.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
GO2bank
High Yield Savings
4.50% on first $5,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$1,230.90(6.4%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,230.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | GO2bank |
|---|---|---|
| 360 Performance Savings | High Yield Savings | |
Current APY | 3.40% | 4.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.6 | 0.0 |
Days Since Change | 66 | 121 |
4-Month High | 3.50% | 4.50% |
4-Month Low | 3.40% | 4.50% |
Adjustments / Mo | 0.25 | 0.00 |
Volatility Score | 0.014 | 0.000 |
How to read these metrics(Click to expand)
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