Capital One vs. Salem Five Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 14, 2025
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Summary of Capital One vs. Salem Five Direct
Key Metrics at a Glance
| Feature | Capital One | Salem Five Direct |
|---|---|---|
| Top Savings APY | 3.40% 360 Performance Savings | 3.71% eOne Savings |
| Minimum to Open | $0 | $10 |
| Minimum Balance for Top APY | $0 | $0.01 |
Capital One
Strengths
- Capital One has over 200 branches across multiple states.
- Capital One's 360 Performance Savings offers a competitive APY of 3.40%.
- Capital One has a high App Store rating of 4.9.
Potential Drawbacks
- Capital One's APY has remained unchanged at 3.40% over the past 30 days.
- Capital One's BBB rating is A+, but it is only BBB Accredited.
Salem Five Direct
Strengths
- Salem Five Direct offers a higher APY of 3.71% for its eOne Savings account.
- Salem Five Direct has no maintenance fees and a low minimum deposit of $10.
Potential Drawbacks
- Salem Five Direct's APY decreased from 4.01% over the past 30 days.
- Salem Five Direct has no physical branches.
→ As of November 14, 2025 Capital One offers an APY of 3.40% for its 360 Performance Savings account, with a minimum balance of $0, compared to Salem Five Direct's 3.71% APY for its eOne Savings account, with a minimum balance of $0.01.
→ Salem Five Direct yields $31 more than Capital One on a $10,000 balance after one year. Capital One pays $340, while Salem Five Direct pays $371 - an APY advantage for Salem Five Direct.
Calculate Savings Growth for Capital One vs Salem Five Direct
Capital One - 360 Performance Savings
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
Total balance: $20,050.5
Earnings: $2,050.5
Bank OverviewSalem Five Direct - eOne Savings
Total savings breakdown:
- Interest earned: $2,248.1 (11.10%)
- Total contributions: $13,000 (64.20%)
- Initial deposit: $5,000 (24.69%)
Your total balance
$20,248.10
Total balance: $20,248.1
Earnings: $2,248.1
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Capital One's total earnings would be $197.6 lower than Salem Five Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Capital One's vs Salem Five Direct's Savings Accounts
| Capital One | Salem Five Direct | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | eOne Savings |
| APY | 3.40% (as of 11/14/2025) | 3.71% (as of 11/14/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | No | Yes | |
| Compound Frequency | Monthly | Monthly | |
| Minimum Deposit | $0 | $10 | |
| Minimum Balance for APY | $0 | $0.01 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.9/5 | 4.7/5 | |
| Google Play Rating | 4.5/5 | 4.2/5 | |
| BBB Rating | A+ | A- |
Comparative Historical APY Insights (Last 10 Months)
| Capital One | Salem Five Direct | ||
|---|---|---|---|
| Product | 360 Performance Savings | vs | eOne Savings |
| Latest APY | 3.40 % | 3.71 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -3.7 | -1.6 | |
| Rate Changes / Mo | 0.40 | 0.20 | |
| Days Since Last Change | 45 | 9 | |
| High (-10 m) | 3.80 % | 4.01 % | |
| Low (-10 m) | 3.40 % | 3.71 % | |
| Draw-down from High | -10.5 % | -7.5 % | |
| Volatility (CV) | 0.032 | 0.020 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 10 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 (-10 m)
- Highest APY in the last 297 days.
- Low (-10 m)
- Lowest APY in the last 297 days.
- Draw-down from High
- How far today sits below the 10-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.