Capital One vs. Popular Direct
Comparing Capital One and Popular Direct for high-yield savings: Capital One's 360 Performance Savings pays 3.30% APY while Popular Direct's Popular Direct Select Savings pays 3.90% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Popular Direct pays $60 more than Capital One annually ($390 vs $330).
Choose Capital One if you value in-person banking, mobile app quality matters, or you want Zelle for quick transfers. Choose Popular Direct if getting the best rate matters most.
| Metric | Capital One360 Performance Savings Feb 21, 2026 | Popular DirectPopular Direct Select Savings Feb 21, 2026 |
|---|---|---|
| APY | 3.30% | 3.90% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often | FDIC InsuredLow MinimumsDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Capital One vs. Popular Direct
Executive Summary
Popular Direct offers a competitive 3.90% APY on its Select Savings account, making it the higher-yielding option compared to Capital One's 360 Performance Savings, which provides a 3.30% APY. Both accounts have no maintenance fees, and neither requires direct deposit. However, Popular Direct's account is online-only and requires a minimum deposit of $100, while Capital One has no minimum deposit requirement. Popular Direct is noted for its simplicity and better returns on both smaller and larger deposits, making it the preferred choice for savers looking for higher interest rates.
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?
- ✓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 1.3)
- ✓Higher rated Android app (4.5 vs 1.3)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why Popular Direct?
- ✓Higher potential APY (3.90% vs 3.30%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Popular DirectPopular Direct's Popular Direct Select Savings earns more on smaller deposits (approx. $390 vs $330/yr).
Better Returns at $25,000
Popular DirectPopular Direct's Popular Direct Select Savings pulls ahead with larger amounts (approx. $975 vs $825/yr).
Best for Simplicity
Popular DirectPopular Direct's Popular Direct Select Savings offers 3.90% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Capital OneCapital One offers an iOS app rated 4.9 (vs. 1.3) and Android app rated 4.5 (vs. 1.3)
Shared Benefits
Over a 1-year period, Popular Direct's Popular Direct Select Savings pays $60 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. Popular Direct Savings Calculator
You earn $60 more with Popular Direct 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
Popular Direct
Popular Direct Select Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $329 per year in interest.
Both Capital One and Popular Direct dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Capital One | Popular Direct |
|---|---|---|
| APY | 3.30% Verified: 2/21/2026 ↘︎ 0.10%90d Change | 3.90% Verified: 2/21/2026 ↘︎ 0.10%90d Change |
| Product Name | 360 Performance Savings | Popular Direct Select Savings |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | None. You cannot make use of Popular Bank's branches. |
| 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. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Popular Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Popular Direct |
|---|---|---|
| 360 Performance Savings | Popular Direct Select Savings | |
Current APY | 3.30% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.3 | -1.9 |
Days Since Change | 44 | 68 |
12-Month High | 3.70% | 4.30% |
12-Month Low | 3.30% | 3.90% |
Adjustments / Mo | 0.33 | 0.58 |
Volatility Score | 0.035 | 0.021 |
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 Popular Direct's APY of 3.90% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Popular Direct vs Ally Bank | 3.20% | $0 |
| Popular Direct vs American Express | 3.30% | $0 |
| Popular Direct vs Axos Bank | 4.21% | $0 |
| Popular Direct vs Bank of America | 0.01% | $100 |
| Popular Direct vs Barclays | 3.85% | $0 |
| Popular Direct vs Chase Bank | 0.01% | $0 |
| Popular Direct vs Chime | 3.00% | $0 |
| Popular Direct vs CIT Bank | 3.75% | $100 |
| Popular Direct vs Citibank | 3.20% | $0 |
| Popular Direct vs Discover Bank | 3.30% | $0 |
| Popular Direct vs EverBank | 3.90% | $0 |
| Popular Direct vs Marcus by Goldman Sachs | 3.65% | $0 |
| Popular Direct vs Newtek Bank | 4.20% | $0.01 |
| Popular Direct vs Openbank | 4.09% | $500 |
| Popular Direct vs Pibank | 4.60% | $0 |
| Popular Direct vs SoFi Bank | 4.00% | $0 |
| Popular Direct vs Synchrony Bank | 3.50% | $0 |
| Popular Direct vs Varo Bank | 5.00% | $0 |
| Popular Direct vs Wealthfront | 3.95% | $0 |
| Popular Direct vs Wells Fargo | 0.05% | $25 |