Capital One vs. Ivy Bank
Comparing Capital One and Ivy Bank for high-yield savings: Capital One's 360 Performance Savings pays 3.30% APY while Ivy Bank's High-Yield Savings Account 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? Ivy Bank pays $55 more than Capital One annually ($385 vs $330).
Choose Capital One if you value in-person banking, you're an Android user, or you want Zelle for quick transfers. Choose Ivy Bank if getting the best rate matters most.
| Metric | Capital One360 Performance Savings Feb 21, 2026 | Ivy BankHigh-Yield Savings Account Feb 21, 2026 |
|---|---|---|
| APY | 3.30% | 0.05% - 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 | $2,500 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often | FDIC InsuredMod. MinimumGreat iOS AppDaily 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. Ivy Bank
Executive Summary
Ivy Bank offers a High-Yield Savings Account with a competitive APY of 3.85%, significantly higher than Capital One's 360 Performance Savings, which provides an APY of 3.30%. Ivy Bank's account is online-only and requires a minimum deposit and balance of $2,500, with eligibility restricted to residents of California and U.S. Territories (excluding the District of Columbia). In contrast, Capital One's account has no minimum deposit or balance requirements, making it more accessible for those seeking simplicity. Both accounts have no maintenance fees and are FDIC insured.
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 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.)
- ✓Higher rated Android app (4.5 vs 0.0)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
- ✓Available Nationwide
Why Ivy Bank?
- ✓Higher potential APY (3.85% vs 3.30%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Ivy BankIvy Bank's High-Yield Savings Account earns more on smaller deposits (approx. $385 vs $330/yr).
Better Returns at $25,000
Ivy BankIvy Bank's High-Yield Savings Account pulls ahead with larger amounts (approx. $963 vs $825/yr).
Best for Simplicity
Capital OneCapital One's 360 Performance Savings offers 3.30% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Capital OneCapital One offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.5 (vs. 0.0)
Shared Benefits
Over a 1-year period, Ivy Bank's High-Yield Savings Account 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Capital One vs. Ivy Bank Savings Calculator
You earn $55 more with Ivy 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+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
Ivy Bank
High-Yield Savings Account
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 $329 per year in interest.
Both Capital One and Ivy Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Capital One | Ivy Bank |
|---|---|---|
| APY | 3.30% Verified: 2/21/2026 ↘︎ 0.10%90d Change | 3.85% Range: 0.05% - 3.85% Verified: 2/21/2026 ↘︎ 0.40%90d Change |
| Product Name | 360 Performance Savings | High-Yield Savings Account |
| Minimum Deposit | $0 | $2,500 |
| Min. Balance for APY | $0 | $2,500 |
| 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. | None |
| 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. | Not Supported |
| BBB Rating | A+ | A- |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Ivy Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Ivy Bank |
|---|---|---|
| 360 Performance Savings | High-Yield Savings Account | |
Current APY | 3.30% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.4 | -11.1 |
Days Since Change | 44 | 3 |
3-Month High | 3.40% | 4.25% |
3-Month Low | 3.30% | 3.85% |
Adjustments / Mo | 0.30 | 0.90 |
Volatility Score | 0.015 | 0.028 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare Capital One's APY of 3.30% with other banks
Compare Ivy Bank's APY of 3.85% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Ivy Bank vs Ally Bank | 3.20% | $0 |
| Ivy Bank vs American Express | 3.30% | $0 |
| Ivy Bank vs Axos Bank | 4.21% | $0 |
| Ivy Bank vs Bank of America | 0.01% | $100 |
| Ivy Bank vs Barclays | 3.85% | $0 |
| Ivy Bank vs Chase Bank | 0.01% | $0 |
| Ivy Bank vs Chime | 3.00% | $0 |
| Ivy Bank vs CIT Bank | 3.75% | $100 |
| Ivy Bank vs Citibank | 3.20% | $0 |
| Ivy Bank vs Discover Bank | 3.30% | $0 |
| Ivy Bank vs EverBank | 3.90% | $0 |
| Ivy Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Ivy Bank vs Newtek Bank | 4.20% | $0.01 |
| Ivy Bank vs Openbank | 4.09% | $500 |
| Ivy Bank vs Pibank | 4.60% | $0 |
| Ivy Bank vs SoFi Bank | 4.00% | $0 |
| Ivy Bank vs Synchrony Bank | 3.50% | $0 |
| Ivy Bank vs Varo Bank | 5.00% | $0 |
| Ivy Bank vs Wealthfront | 3.95% | $0 |
| Ivy Bank vs Wells Fargo | 0.05% | $25 |