Capital One vs. Presidential Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 21, 2026 | Presidential BankAdvantage Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 3.25% - 3.75% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$188 $10,000+$375 $25,000+$938 |
Min Deposit | $0 | $5,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedDirect Deposit ReqChecking Bundle |
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. Presidential 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 Presidential Bank's 3.75% APY for its Advantage Savings account, with a minimum balance of N/A.
Presidential Bank pays $45 more than Capital One on a $10,000 balance after one year. Capital One pays $330, while Presidential Bank pays $375 - an APY advantage for Presidential Bank.
Why Capital One?
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.5 vs 4.2)
Why Presidential Bank?
- ✓Higher potential APY (3.75% vs 3.30%) (requires checking bundle & direct deposit)
— Key Feature Differences —
Better Returns at $10,000
Presidential BankPresidential Bank's Advantage Savings earns more on smaller deposits (approx. $375 vs $330/yr).
Better Returns at $25,000
Presidential BankPresidential Bank's Advantage Savings pulls ahead with larger amounts (approx. $938 vs $825/yr).
Best for Simplicity
Capital OneCapital One's 360 Performance Savings offers 3.30% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Presidential BankPresidential Bank's Advantage Savings pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Presidential Bank's Advantage Savings pays $45 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
Presidential Bank offers a competitive Advantage Savings account with a higher APY of 3.75%, contingent upon a monthly direct deposit of $500 into an Advantage Checking Account, making it ideal for those who can meet this requirement. In contrast, Capital One's 360 Performance Savings provides a solid APY of 3.30% with no direct deposit or account bundling needed, catering to those seeking simplicity. Both accounts have no maintenance fees and compound monthly, but Presidential Bank's product yields a superior return for customers who can fulfill the direct deposit condition.
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. Presidential Bank Savings Calculator
You earn $45 more with Presidential 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
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | Presidential Bank |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 3.75% Range: 3.25% - 3.75% Verified: 1/21/2026 ↘︎ 0.75%90d Change |
| Product Name | 360 Performance Savings | Advantage Savings |
| Minimum Deposit | $0 | $5,000 |
| Min. Balance for APY | $0 | N/A |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Direct Deposit Req. | None | RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.9 Android4.5 | iOS4.8 Android4.2 |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Available Native integration; Advantage Savings supports Zelle. |
| BBB Rating | A+ | A- |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Presidential Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Presidential Bank |
|---|---|---|
| 360 Performance Savings | Advantage Savings | |
Current APY | 3.30% | 3.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.4 | -5.5 |
Days Since Change | 13 | 35 |
12-Month High | 3.80% | 4.50% |
12-Month Low | 3.30% | 3.75% |
Adjustments / Mo | 0.41 | 0.25 |
Volatility Score | 0.036 | 0.063 |
How to read these metrics(Click to expand)
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