Capital One vs. Peak Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Capital One
360 Performance Savings
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Capital One
360 Performance Savings
Peak Bank
Envision High Yield Savings
4.20%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Peak Bank
Envision High Yield Savings
Comparison Analysis
Comparing Capital One vs. Peak Bank
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
Why Peak Bank?
- ✓Higher potential APY (4.20% vs 3.40%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Peak BankPeak Bank's Envision High Yield Savings earns more on smaller deposits (approx. $420 vs $340/yr).
Better Returns at $25,000
Peak BankPeak Bank's Envision High Yield Savings pulls ahead with larger amounts (approx. $1050 vs $850/yr).
Best for Simplicity
Peak BankPeak Bank's Envision High Yield Savings offers 4.20% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Peak Bank's Envision High Yield Savings pays $80 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
Executive Summary
Peak Bank offers a competitive Envision High Yield Savings account with an APY of 4.20%, making it the winner in this comparison. This online-only account requires a minimum deposit of $100 and has no maintenance fees, providing better returns than Capital One's 360 Performance Savings, which offers a lower APY of 3.40%. Both accounts do not require direct deposit, but Peak Bank's product is noted for its simplicity and higher earnings potential, especially for larger deposits. Capital One's account also has no minimum balance requirement and compounds interest monthly.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Capital One and Peak Bank.
| Feature | Capital One | Peak Bank |
|---|---|---|
| APY | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.20% Verified: 12/6/2025 ↘︎ 0.15%90d Change |
| Product Name | 360 Performance Savings | Envision High Yield Savings |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | N/A |
| 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 | iOS4.8 Android4.6 |
| BBB Rating | A+ | A+ |
| Next Steps |
Savings Comparison
Peak Bank earns $513.8 more than Capital One.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
Peak Bank
Envision High Yield Savings
Savings Breakdown
- Interest Earned+$2,564.30(12.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,564.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Peak Bank |
|---|---|---|
| 360 Performance Savings | Envision High Yield Savings | |
Current APY | 3.40% | 4.20% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.4 | -3.7 |
Days Since Change | 66 | 66 |
10-Month High | 3.70% | 4.54% |
10-Month Low | 3.40% | 4.20% |
Adjustments / Mo | 0.31 | 0.41 |
Volatility Score | 0.030 | 0.028 |
How to read these metrics(Click to expand)
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