Capital One vs. Ivy Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Capital One vs. Ivy Bank
Key Metrics at a Glance
| Feature | Capital One | Ivy Bank |
|---|---|---|
| Top Savings APY | 3.40% 360 Performance Savings | 4.25% High-Yield Savings Account |
| Minimum to Open | $0 | $2,500 |
| Minimum Balance for Top APY | $0 | $2,500 |
Capital One
Strengths
- Capital One has over 200 branches across multiple states.
- Capital One offers a 3.40% APY with no minimum balance requirement.
- Capital One has an A+ BBB rating and is BBB Accredited.
Potential Drawbacks
- Capital One's APY has not changed in the last 30 days.
Ivy Bank
Strengths
- Ivy Bank offers a higher APY of 4.25% for its High-Yield Savings Account.
- Ivy Bank has no maintenance fees for its accounts.
- Ivy Bank's APY is significantly higher than Capital One's.
Potential Drawbacks
- Ivy Bank requires a minimum deposit and balance of $2,500.
- Ivy Bank is not BBB Accredited and has an A- BBB rating.
- Ivy Bank has no physical branches.
→ As of November 12, 2025 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 4.25% APY for its High-Yield Savings Account, with a minimum balance of $2,500.
→ Ivy Bank yields $85 more than Capital One on a $10,000 balance after one year. Capital One pays $340, while Ivy Bank pays $425 - an APY advantage for Ivy Bank.
Calculate Savings Growth for Capital One vs Ivy Bank
Capital One - 360 Performance Savings
Total savings breakdown:
- Interest earned: $2,050.5 (10.23%)
- Total contributions: $13,000 (64.84%)
- Initial deposit: $5,000 (24.94%)
Your total balance
$20,050.50
Total balance: $20,050.5
Earnings: $2,050.5
Bank OverviewIvy Bank - High-Yield Savings Account
Total savings breakdown:
- Interest earned: $2,596.8 (12.61%)
- Total contributions: $13,000 (63.12%)
- Initial deposit: $5,000 (24.28%)
Your total balance
$20,596.80
Total balance: $20,596.8
Earnings: $2,596.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Capital One's total earnings would be $546.3 lower than Ivy Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Capital One's vs Ivy Bank's Savings Accounts
| Capital One | Ivy Bank | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | High-Yield Savings Account |
| APY | 3.40% (as of 11/12/2025) | 0.05% - 4.25% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Daily | |
| Minimum Deposit | $0 | $2,500 | |
| Minimum Balance for APY | $0 | $2,500 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Eligibility | United States | Residents of California and U.S. Territories (except District of Columbia) are ineligible to apply. | |
| App Store Rating | 4.9/5 | 4.7/5 | |
| Google Play Rating | 4.5/5 | 3.5/5 | |
| BBB Rating | A+ | A- |
No historical data available.