Capital One vs. Quontic Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 12, 2026 | Quontic BankHigh Yield Savings Jan 12, 2026 |
|---|---|---|
| APY | 3.30% | 3.50% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$175 $10,000+$350 $25,000+$875 |
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 AppZelle® Supported |
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. Quontic 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 Quontic Bank's 3.50% APY for its High Yield Savings account, with a minimum balance of $0.
Quontic Bank pays $20 more than Capital One on a $10,000 balance after one year. Capital One pays $330, while Quontic Bank pays $350 - an APY advantage for Quontic Bank.
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
Why Quontic Bank?
- ✓Higher potential APY (3.50% vs 3.30%) on all balances
- ✓Higher rated Android app (4.9 vs 4.5)
— Key Feature Differences —
Better Returns at $10,000
Quontic BankQuontic Bank's High Yield Savings earns more on smaller deposits (approx. $350 vs $330/yr).
Better Returns at $25,000
Quontic BankQuontic Bank's High Yield Savings pulls ahead with larger amounts (approx. $875 vs $825/yr).
Best for Simplicity
Quontic BankQuontic Bank's High Yield Savings offers 3.50% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Quontic Bank's High Yield Savings pays $20 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
Quontic Bank offers a competitive High Yield Savings account with an APY of 3.50%, which is higher than Capital One's 360 Performance Savings at 3.30%. Quontic's account is online-only and requires a minimum deposit of $100, but has no maintenance fees and no direct deposit requirement. Additionally, it compounds daily, providing better returns for both smaller and larger deposits compared to Capital One. While Capital One's account has a lower APY, it does not require a minimum deposit or direct deposit, making it a simpler alternative for those who prefer not to meet deposit thresholds.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Capital One vs. Quontic Bank Savings Calculator
You earn $20 more with Quontic 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
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | Quontic Bank |
|---|---|---|
| APY | 3.30% Verified: 1/12/2026 ↘︎ 0.10%90d Change | 3.50% Verified: 1/12/2026 ↘︎ 0.25%90d Change |
| Product Name | 360 Performance Savings | High Yield Savings |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| 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 Android4.9 |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Available Limit: $1,000/dayDigital-first bank with full native support. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteGo to Quontic Bank * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Quontic Bank |
|---|---|---|
| 360 Performance Savings | High Yield Savings | |
Current APY | 3.30% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.4 | -1.8 |
Days Since Change | 4 | 13 |
12-Month High | 3.80% | 3.85% |
12-Month Low | 3.30% | 3.50% |
Adjustments / Mo | 0.42 | 0.17 |
Volatility Score | 0.035 | 0.021 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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