Capital One vs. MutualOne Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 16, 2026 | MutualOne BankMo Premium Savings Jan 16, 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® Supported | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Capital One vs. MutualOne Bank
As of Capital One offers an APY of 3.30% for its 360 Performance Savings account, with a minimum balance of $0, compared to MutualOne Bank's 4.07% APY for its Mo Premium Savings account, with a minimum balance of $20,000.
MutualOne Bank pays $77 more than Capital One on a $10,000 balance after one year. Capital One pays $330, while MutualOne Bank pays $407 - an APY advantage for MutualOne Bank.
In addition, MutualOne Bank also offers 0.40% APY for the Online Savings account, with a minimum balance of 0.
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.
Executive Summary as of
MutualOne Bank's Mo Premium Savings offers a competitive APY of 4.07%, making it the winner among the two banks. This product requires a minimum deposit of $20,000 but does not impose any direct deposit requirements or maintenance fees, providing a straightforward savings option. In contrast, Capital One's 360 Performance Savings yields 3.30% APY with no minimum deposit or balance requirements, making it a solid alternative for those looking for easier access to savings without large initial investments. Both accounts compound monthly 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. 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: 1/16/2026 ↘︎ 0.10%90d Change | 4.07% Verified: 1/16/2026 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 |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.5 | iOS4.9 Android4.4 |
| 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) | -2.6 | 0.0 | -0.0 |
Days Since Change | 8 | 123 | 123 |
4-Month High | 3.50% | 0.40% | 4.07% |
4-Month Low | 3.30% | 0.40% | 4.07% |
Adjustments / Mo | 0.48 | 0.00 | 0.00 |
Volatility Score | 0.013 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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