Capital One vs. Peak Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 21, 2026 | Peak BankEnvision High Yield Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 3.99% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$200 $10,000+$399 $25,000+$998 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredLow MinimumsGreat iOS AppGreat Android App |
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. Peak 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 Peak Bank's 3.99% APY for its Envision High Yield Savings account, with a minimum balance of .
Peak Bank pays $69 more than Capital One on a $10,000 balance after one year. Capital One pays $330, while Peak Bank pays $399 - an APY advantage for Peak Bank.
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why Peak Bank?
- ✓Higher potential APY (3.99% vs 3.30%) 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. $399 vs $330/yr).
Better Returns at $25,000
Peak BankPeak Bank's Envision High Yield Savings pulls ahead with larger amounts (approx. $998 vs $825/yr).
Best for Simplicity
Peak BankPeak Bank's Envision High Yield Savings offers 3.99% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Peak Bank's Envision High Yield Savings pays $69 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
Peak Bank offers a competitive 3.99% APY on its Envision High Yield Savings account, making it the clear winner in this comparison. This online-only product requires a minimum deposit of $100 and has no maintenance fees, allowing for daily compounding. In contrast, Capital One's 360 Performance Savings account provides a lower APY of 3.30% with no minimum deposit or maintenance fees, but it does not match the yield of Peak Bank. Both banks do not require direct deposit, 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. Peak Bank Savings Calculator
You earn $69 more with Peak 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+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
Peak Bank
Envision High Yield Savings
Savings Breakdown
- Interest Earned+$399.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,399.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | Peak Bank |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 3.99% Verified: 1/21/2026 ↘︎ 0.21%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 |
| 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 Peak Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Peak Bank |
|---|---|---|
| 360 Performance Savings | Envision High Yield Savings | |
Current APY | 3.30% | 3.99% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.3 | -4.3 |
Days Since Change | 13 | 20 |
11-Month High | 3.70% | 4.54% |
11-Month Low | 3.30% | 3.99% |
Adjustments / Mo | 0.35 | 0.62 |
Volatility Score | 0.033 | 0.037 |
How to read these metrics(Click to expand)
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