Capital One vs. Presidential Bank
High-Yield Savings Account Comparison
Last Updated: October 14, 2025
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Summary of Capital One vs. Presidential Bank
Key Metrics at a Glance
| Feature | Capital One | Presidential Bank |
|---|---|---|
| Top Savings APY | 3.40% 360 Performance Savings | 4.50% Advantage Savings |
| Minimum to Open | $0 | $5,000 |
| Minimum Balance for APY | $0 | N/A |
Capital One
Strengths
- Capital One has a higher BBB rating of A+ and is BBB Accredited.
- 360 Performance Savings has no minimum deposit or balance requirements.
- Capital One's App Store rating is slightly higher at 4.9.
Potential Drawbacks
- Current APY of 3.40% is lower than 30 days ago (3.50%).
- Capital One has over 200 branches, but they are spread across multiple states.
Presidential Bank
Strengths
- Advantage Savings offers a higher APY of 4.50%.
- No change in APY over the past 30 days, remaining at 4.50%.
- Presidential Bank has a lower minimum deposit requirement of $5,000.
Potential Drawbacks
- Presidential Bank is not BBB Accredited and has a lower BBB rating of A-.
- Direct deposit is required to earn the higher APY, which may limit access.
Summary: Capital One offers a competitive APY of 3.40% with no minimum deposit, but its APY has decreased recently. In contrast, Presidential Bank provides a higher APY of 4.50% with a direct deposit requirement. Capital One's BBB rating is superior, while Presidential Bank's lower rating and lack of accreditation may concern some customers. Both banks have solid App Store ratings, but Capital One leads slightly.
→ As of October 14, 2025 Capital One offers an APY of 3.40% for its 360 Performance Savings account, with a minimum balance of $0, compared to Presidential Bank's 4.50% APY for its Advantage Savings account, with a minimum balance of N/A.
→ Presidential Bank yields $110 more than Capital One on a $10,000 balance after one year. Capital One pays $340, while Presidential Bank pays $450 - an APY advantage for Presidential Bank.
Calculate Savings Growth for Capital One vs Presidential Bank
All calculations are based on APY.
Capital One
APY: 3.40%
Total savings breakdown:
- Interest earned: $2,050.5 (10.23%)
- Total contributions: $13,000 (64.84%)
- Initial deposit: $5,000 (24.94%)
Your total balance
$20,050.50
Effective APY: 3.40% (based on your deposit and contributions)
Total balance: $20,050.5
Earnings: $2,050.5
Bank OverviewPresidential Bank
APY: 4.50%
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
Effective APY: 4.50% (based on your deposit and contributions)
Total balance: $20,760.1
Earnings: $2,760.1
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Capital One's total earnings would be $709.6 lower than Presidential Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Capital One's vs Presidential Bank's Savings Accounts
| Capital One | Presidential Bank | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Advantage Savings |
| APY | 3.40% (as of 10/14/2025) | 4.00% - 4.50% (as of 10/14/2025) | |
| Bundled Account | No | Yes | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | No | |
| Compound Frequency | Monthly | Monthly | |
| Minimum Deposit | $0 | $5,000 | |
| Minimum Balance for APY | $0 | N/A | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | Yes. To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. | |
| App Store Rating | 4.9/5 | 4.8/5 | |
| Google Play Rating | 4.5/5 | 4.2/5 | |
| BBB Rating | A+ | A- |
Comparative Historical APY Insights (Last 9 Months)
| Capital One | Presidential Bank | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | Advantage Savings |
| Latest APY | 3.40 % | 4.50 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.7 | 0.0 | |
| Rate Changes / Mo | 0.45 | 0.00 | |
| Days Since Last Change | 14 | 266 | |
| High (-9 m) | 3.80 % | 4.50 % | |
| Low (-9 m) | 3.40 % | 4.50 % | |
| Draw-down from High | -10.5 % | 0.0 % | |
| Volatility (CV) | 0.028 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-9 m)
- Highest APY in the last 266 days.
- Low (-9 m)
- Lowest APY in the last 266 days.
- Draw-down from High
- How far today sits below the 9-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
More Comparisons
Compare Capital One's APY of 3.40% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Capital One vs Ally Bank | 3.40% | $0 |
| Capital One vs American Express | 3.50% | $0 |
| Capital One vs Axos Bank | 4.51% | $0 |
| Capital One vs Bank of America | 0.01% | $100 |
| Capital One vs Barclays | 4.10% | $0 |
| Capital One vs BrioDirect | 4.20% | $5,000 |
| Capital One vs Chase Bank | 0.01% | $0 |
| Capital One vs Chime | 3.75% | $0 |
| Capital One vs CIT Bank | 3.85% | $100 |
| Capital One vs Discover Bank | 3.40% | $0 |
| Capital One vs Elevault | 4.34% | $0 |
| Capital One vs EverBank | 4.05% | $0 |
| Capital One vs Fitness Bank | 4.75% | $100 |
| Capital One vs FVCbank | 4.10% | $500 |
| Capital One vs GO2bank | 4.50% | $0 |
| Capital One vs Marcus by Goldman Sachs | 3.65% | $0 |
| Capital One vs Neighbors Bank | 4.50% | $0 |
| Capital One vs Newtek Bank | 4.35% | $0 |
| Capital One vs Peak Bank | 4.20% | $100 |
| Capital One vs Pibank | 4.60% | $0 |
| Capital One vs Santander Bank | 0.01% | $25 |
| Capital One vs SoFi Bank | 4.50% | $0 |
| Capital One vs Synchrony Bank | 3.80% | $0 |
| Capital One vs TIMBR | 4.40% | $1,000 |
| Capital One vs UFB Direct | 3.96% | $5000 |
| Capital One vs Varo Bank | 5.00% | $0 |
| Capital One vs Wells Fargo | 0.05% | $25 |
| Capital One vs Zynlo Bank | 4.20% | $10 |