Capital One vs. Salem Five Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
Capital One
360 Performance Savings
3.40%APYDec 12, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Capital One
360 Performance Savings
Salem Five Direct
eOne Savings
3.71%APYDec 12, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Salem Five Direct
eOne Savings
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Capital One vs. Salem Five Direct Savings Calculator
You earn $31 more with Salem Five 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+$340.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,340.00
Salem Five Direct
eOne Savings
Savings Breakdown
- Interest Earned+$371.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,371.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Capital One vs. Salem Five Direct
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Higher rated Android app (4.5 vs 4.2)
Why Salem Five Direct?
- ✓Higher potential APY (3.71% vs 3.40%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Salem Five DirectSalem Five Direct's eOne Savings earns more on smaller deposits (approx. $371 vs $340/yr).
Better Returns at $25,000
Salem Five DirectSalem Five Direct's eOne Savings pulls ahead with larger amounts (approx. $928 vs $850/yr).
Best for Simplicity
Salem Five DirectSalem Five Direct's eOne Savings offers 3.71% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Capital OneCapital One offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.5 (vs. 4.2)
Shared Benefits
Over a 1-year period, Salem Five Direct's eOne Savings pays $31 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
Salem Five Direct offers a competitive eOne Savings account with a higher APY of 3.71%, making it the winner in this comparison. This account is online-only and requires a minimum deposit of $10, but has no maintenance fees or direct deposit requirements. In contrast, Capital One's 360 Performance Savings account provides a solid APY of 3.40% with no minimum deposit or balance requirements, and it is known for its excellent mobile app experience. Both accounts are FDIC insured, but Salem Five Direct stands out for its higher returns.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Capital One and Salem Five Direct.
| Feature | Capital One | Salem Five Direct |
|---|---|---|
| APY | 3.40% Verified: 12/12/2025 ↘︎ 0.10%90d Change | 3.71% Verified: 12/12/2025 ↘︎ 0.30%90d Change |
| Product Name | 360 Performance Savings | eOne Savings |
| Minimum Deposit | $0 | $10 |
| Min. Balance for APY | $0 | $0.01 |
| 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 | iOS4.7 Android4.2 |
| BBB Rating | A+ | A- |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Salem Five Direct |
|---|---|---|
| 360 Performance Savings | eOne Savings | |
Current APY | 3.40% | 3.71% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.5 | -2.6 |
Days Since Change | 72 | 37 |
11-Month High | 3.80% | 4.01% |
11-Month Low | 3.40% | 3.71% |
Adjustments / Mo | 0.37 | 0.19 |
Volatility Score | 0.033 | 0.029 |
How to read these metrics(Click to expand)
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