Capital One vs. Valley Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 21, 2026 | Valley DirectHigh-Yield Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 3.40% - 4.00% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$200 $10,000+$400 $25,000+$1,000 |
Min Deposit | $0 | $1,000 |
Snapshot view. Rates subject to change. | ||
Terms | - | Promo rate for new customers. 3.40% APY applies to existing customers. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® 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. Valley Direct
As of Capital One offers an APY of 3.30% for its 360 Performance Savings account, with a minimum balance of $0, compared to Valley Direct's 4.00% APY for its High-Yield Savings Account, with a minimum balance of $0.01.
Valley Direct pays $70 more than Capital One on a $10,000 balance after one year. Capital One pays $330, while Valley Direct pays $400 - an APY advantage for Valley Direct.
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Available to New & Existing Customers
Why Valley Direct?
- ✓Higher potential APY (4.00% vs 3.30%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Valley DirectValley Direct's High-Yield Savings Account earns more on smaller deposits (approx. $400 vs $330/yr).
Better Returns at $25,000
Valley DirectValley Direct's High-Yield Savings Account pulls ahead with larger amounts (approx. $1000 vs $825/yr).
Best for Simplicity
Valley DirectValley Direct's High-Yield Savings Account offers 4.00% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period (factoring in a 12-month promo), Valley Direct's High-Yield Savings Account pays $70 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
*Valley Direct's calculation includes their 12-month introductory promotional rate and subsequent standard rate.
Executive Summary as of
Valley Direct offers a High-Yield Savings Account with a competitive APY of 4.00%, making it the winner over Capital One's 360 Performance Savings, which provides a lower APY of 3.30%. Valley Direct's account is particularly appealing for new customers, as the advertised rate is restricted to them, while existing customers receive a lower rate of 3.40%. Both accounts have no maintenance fees, and Valley Direct's account compounds daily, enhancing potential earnings. Capital One does not require a direct deposit and has a $0 minimum deposit, while Valley Direct requires a minimum deposit of $1,000.
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. Valley Direct Savings Calculator
You earn $70 more with Valley 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+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
Valley Direct
High-Yield Savings Account
Promo Rate: 4.00% for 12 months, then 3.40%.
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | Valley Direct |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 4.00% Range: 3.40% - 4.00% Verified: 1/21/2026 ↘︎ 0.10%90d Change |
| Product Name | 360 Performance Savings | High-Yield Savings Account |
| Minimum Deposit | $0 | $1,000 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.5 | iOS4.8 Android4.6 |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Available Allows Zelle directly on HYSA. |
| BBB Rating | A+ | A+ |
| Important Notes | - | Promo rate for new customers. 3.40% APY applies to existing customers. |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Valley Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Valley Direct |
|---|---|---|
| 360 Performance Savings | High-Yield Savings Account | |
Current APY | 3.30% | 4.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.4 | -0.3 |
Days Since Change | 13 | 40 |
12-Month High | 3.80% | 4.40% |
12-Month Low | 3.30% | 3.75% |
Adjustments / Mo | 0.41 | 0.66 |
Volatility Score | 0.036 | 0.043 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Capital One vs...
Comparing against Standard Savings
Compare Valley Direct vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.