Capital One vs. GO2bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 21, 2026 | GO2bankHigh Yield Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 0.00% - 4.50% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$225 $10,000+$225 $25,000+$225 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | 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. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking Bundle |
Comparison Analysis
Comparing Capital One vs. GO2bank
As of Capital One offers an APY of 3.30% for its 360 Performance Savings account, with a minimum balance of $0, compared to GO2bank's 4.50% APY for its High Yield Savings account, with a minimum balance of $0.
Capital One pays $105 more than GO2bank on a $10,000 balance after one year. Capital One pays $330, while GO2bank pays $225 (with an effective APY of 2.25%) - an APY advantage for Capital One.
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.)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why GO2bank?
- ✓Higher potential APY (4.50% vs 3.30%) 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. $330 vs $225/yr).
Better Returns at $25,000
Capital OneCapital One's 360 Performance Savings pulls ahead with larger amounts (approx. $825 vs $225/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 $105 more interest on a $10,000 balance than GO2bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
GO2bank offers a High Yield Savings account with a competitive 4.50% APY, making it the highest-yielding option compared to Capital One's 360 Performance Savings, which provides a 3.30% APY. However, to open a savings account with GO2bank, a GO2bank checking account is required, and the high yield is capped at $5,000, with no interest on amounts exceeding this limit. In contrast, Capital One's account has no such caps or direct deposit requirements, making it a simpler option 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.
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Capital One vs. GO2bank Savings Calculator
You earn $105 more with Capital One than GO2bank 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
GO2bank
High Yield Savings
4.50% on first $5,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$225.00(2.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,225.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | GO2bank |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 4.50% 0Verified: 1/21/2026 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 |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Not Supported |
| 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 | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at GO2bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | GO2bank |
|---|---|---|
| 360 Performance Savings | High Yield Savings | |
Current APY | 3.30% | 4.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.1 | 0.0 |
Days Since Change | 13 | 167 |
6-Month High | 3.50% | 4.50% |
6-Month Low | 3.30% | 4.50% |
Adjustments / Mo | 0.36 | 0.00 |
Volatility Score | 0.017 | 0.000 |
How to read these metrics(Click to expand)
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