Capital One vs. Ivy Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 7, 2026 | Ivy BankHigh-Yield Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.40% | 0.05% - 4.10% |
Est. Earnings | $5,000+$170 $10,000+$340 $25,000+$850 | $5,000+$205 $10,000+$410 $25,000+$1,025 |
Min Deposit | $0 | $2,500 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredMod. MinimumGreat iOS App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Capital One vs. Ivy Bank
As of Capital One offers an APY of 3.40% for its 360 Performance Savings account, with a minimum balance of $0, compared to Ivy Bank's 4.10% APY for its High-Yield Savings Account, with a minimum balance of $2,500.
Ivy Bank pays $70 more than Capital One on a $10,000 balance after one year. Capital One pays $340, while Ivy Bank pays $410 - an APY advantage for Ivy Bank.
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 3.5)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
- ✓Available Nationwide
Why Ivy Bank?
- ✓Higher potential APY (4.10% vs 3.40%) 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. $410 vs $340/yr).
Better Returns at $25,000
Ivy BankIvy Bank's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $850/yr).
Best for Simplicity
Capital OneCapital One's 360 Performance Savings offers 3.40% 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. 3.5)
Shared Benefits
Over a 1-year period, Ivy Bank's High-Yield Savings Account pays $70 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
Ivy Bank's High-Yield Savings Account offers a competitive APY of 4.10%, making it the top choice for savers seeking higher returns. This account, however, requires a minimum deposit and balance of $2,500, and is available only to residents of California and U.S. Territories (excluding the District of Columbia). In comparison, Capital One's 360 Performance Savings provides a solid APY of 3.40% with no minimum deposit requirement or direct deposit stipulations, making it a simpler option for those looking for accessibility. 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Capital One vs. Ivy Bank Savings Calculator
You earn $70 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+$340.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,340.00
Ivy Bank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$410.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,410.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | Ivy Bank |
|---|---|---|
| APY | 3.40% Verified: 1/7/2026 Stable (90d) | 4.10% Range: 0.05% - 4.10% Verified: 1/7/2026 - |
| 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 |
| 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 | iOS4.7 Android3.5 |
| 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 | 3.40% | 4.10% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | -11.9 |
Days Since Change | 54 | 22 |
2-Month High | 3.40% | 4.25% |
2-Month Low | 3.40% | 4.10% |
Adjustments / Mo | 0.00 | 0.55 |
Volatility Score | 0.000 | 0.018 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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