Capital One vs. MutualOne Bank
Comparing Capital One and MutualOne Bank for high-yield savings: Capital One's 360 Performance Savings pays 3.30% APY while MutualOne Bank's Mo Premium Savings pays 4.07% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Capital One pays $330 more than MutualOne Bank annually ($330 vs $0).
Choose Capital One if getting the best rate matters most.
| Metric | Capital One360 Performance Savings Feb 21, 2026 | MutualOne BankMo Premium Savings Feb 21, 2026 |
|---|---|---|
| APY | 3.30% | 4.07% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$0 $10,000+$0 $25,000+$1,018 |
Min Deposit | $0 | $20,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate |
Comparison Analysis
Comparing Capital One vs. MutualOne Bank
Executive Summary
MutualOne Bank's Mo Premium Savings account stands out with a competitive APY of 4.07%, making it the top choice for savers looking for higher returns, especially for deposits starting at $20,000. In comparison, Capital One's 360 Performance Savings offers a lower APY of 3.30%, but it allows for a minimum deposit of $0, making it accessible for those with smaller savings. Both accounts have no maintenance fees and are FDIC insured, with MutualOne Bank's product noted for its simplicity, requiring no direct deposit or bundling. However, MutualOne's higher yield is contingent on larger deposits.
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 distinct advantages found vs MutualOne Bank.
Why MutualOne Bank?
- ✓Higher potential APY (4.07% vs 3.30%)
— Key Feature Differences —
Better Returns at $10,000
Capital OneCapital One's 360 Performance Savings earns more on smaller deposits (approx. $330 vs $0/yr).
Better Returns at $25,000
MutualOne BankMutualOne Bank's Mo Premium Savings pulls ahead with larger amounts (approx. $1018 vs $825/yr).
Best for Simplicity
MutualOne BankMutualOne Bank's Mo Premium Savings offers 4.07% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, MutualOne Bank's Mo Premium Savings pays $77 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. MutualOne Bank Savings Calculator
You earn $154 more with MutualOne Bank than Capital One on a $20,000 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+$660.00(3.2%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,660.00
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$814.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,814.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | MutualOne Bank |
|---|---|---|
| APY | 3.30% Verified: 2/21/2026 ↘︎ 0.10%90d Change | 4.07% Verified: 2/21/2026 Stable (90d) |
| Product Name | 360 Performance Savings | Mo Premium Savings |
| Minimum Deposit | $0 | $20,000 |
| Min. Balance for APY | $0 | $20,000 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Monthly | Monthly |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | Full-service banking offices in Framingham, MA, and Natick, MA |
| 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. | Available Verified via website and app descriptions. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at MutualOne Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | MutualOne Bank | |
|---|---|---|---|
| 360 Performance Savings | Online Savings | Mo Premium Savings | |
Current APY | 3.30% | 0.40% | 4.07% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.3 | 0.0 | -0.0 |
Days Since Change | 44 | 162 | 162 |
5-Month High | 3.50% | 0.40% | 4.07% |
5-Month Low | 3.30% | 0.40% | 4.07% |
Adjustments / Mo | 0.37 | 0.00 | 0.00 |
Volatility Score | 0.017 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Capital One's APY of 3.30% with other banks
Compare MutualOne Bank's APY of 4.07% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| MutualOne Bank vs Ally Bank | 3.20% | $0 |
| MutualOne Bank vs American Express | 3.30% | $0 |
| MutualOne Bank vs Axos Bank | 4.21% | $0 |
| MutualOne Bank vs Bank of America | 0.01% | $100 |
| MutualOne Bank vs Barclays | 3.85% | $0 |
| MutualOne Bank vs Chase Bank | 0.01% | $0 |
| MutualOne Bank vs Chime | 3.00% | $0 |
| MutualOne Bank vs CIT Bank | 3.75% | $100 |
| MutualOne Bank vs Citibank | 3.20% | $0 |
| MutualOne Bank vs Discover Bank | 3.30% | $0 |
| MutualOne Bank vs EverBank | 3.90% | $0 |
| MutualOne Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| MutualOne Bank vs Newtek Bank | 4.20% | $0.01 |
| MutualOne Bank vs Openbank | 4.09% | $500 |
| MutualOne Bank vs Pibank | 4.60% | $0 |
| MutualOne Bank vs SoFi Bank | 4.00% | $0 |
| MutualOne Bank vs Synchrony Bank | 3.50% | $0 |
| MutualOne Bank vs Varo Bank | 5.00% | $0 |
| MutualOne Bank vs Wealthfront | 3.95% | $0 |
| MutualOne Bank vs Wells Fargo | 0.05% | $25 |