Capital One vs. Jenius Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 7, 2026 | Jenius BankJenius Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.40% | 4.05% |
Est. Earnings | $5,000+$170 $10,000+$340 $25,000+$850 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo Minimums |
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. Jenius 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 Jenius Bank's 4.05% APY for its Jenius Savings account, with a minimum balance of $0.
Jenius Bank pays $65 more than Capital One on a $10,000 balance after one year. Capital One pays $340, while Jenius Bank pays $405 - an APY advantage for Jenius Bank.
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Higher rated iOS app (4.9 vs 4.0)
- ✓Higher rated Android app (4.5 vs 3.6)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.40%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $340/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $850/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Capital OneCapital One offers an iOS app rated 4.9 (vs. 4.0) and Android app rated 4.5 (vs. 3.6)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $65 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
Jenius Bank offers a competitive Jenius Savings account with an APY of 4.05%, making it the winner in this comparison. This online-only account requires no minimum deposit, balance, or maintenance fees, and it compounds daily, enhancing potential earnings. In contrast, Capital One's 360 Performance Savings account provides a lower APY of 3.40% but is noted for its excellent mobile app experience. Both banks do not require direct deposit and have no eligibility restrictions, making them accessible options 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Capital One vs. Jenius Bank Savings Calculator
You earn $65 more with Jenius 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
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | Jenius Bank |
|---|---|---|
| APY | 3.40% Verified: 1/7/2026 Stable (90d) | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | 360 Performance Savings | Jenius Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| 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 | iOS4.0 Android3.6 |
| 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 Jenius Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Jenius Bank |
|---|---|---|
| 360 Performance Savings | Jenius Savings | |
Current APY | 3.40% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.3 | -2.8 |
Days Since Change | 98 | 50 |
11-Month High | 3.80% | 4.50% |
11-Month Low | 3.40% | 4.05% |
Adjustments / Mo | 0.34 | 0.17 |
Volatility Score | 0.034 | 0.029 |
How to read these metrics(Click to expand)
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