Capital One vs. Vio Bank
Comparing Capital One and Vio Bank for high-yield savings: Capital One's 360 Performance Savings pays 3.30% APY while Vio Bank's Online Savings Account pays 4.03% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Vio Bank pays $73 more than Capital One annually ($403 vs $330).
Choose Capital One if you value in-person banking, you're an Android user, or you want Zelle for quick transfers. Choose Vio Bank if getting the best rate matters most.
| Metric | Capital One360 Performance Savings Feb 21, 2026 | Vio BankOnline Savings Account Feb 21, 2026 |
|---|---|---|
| APY | 3.30% | 4.03% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$202 $10,000+$403 $25,000+$1,008 |
Min Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often | FDIC InsuredLow MinimumsGreat iOS AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Capital One vs. Vio Bank
Executive Summary
Vio Bank offers a competitive Online Savings Account with an APY of 4.03%, significantly higher than Capital One's 360 Performance Savings account, which yields 3.30%. Vio Bank's account is online-only and requires a minimum deposit of $100, but has no maintenance fees if electronic statements are chosen. Both accounts do not require direct deposit and have no minimum balance requirements. While Capital One is noted for its superior mobile app experience, Vio Bank is highlighted for delivering better returns, especially on larger deposits, making it the more lucrative option for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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 3.4)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why Vio Bank?
- ✓Higher potential APY (4.03% vs 3.30%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Vio BankVio Bank's Online Savings Account earns more on smaller deposits (approx. $403 vs $330/yr).
Better Returns at $25,000
Vio BankVio Bank's Online Savings Account pulls ahead with larger amounts (approx. $1008 vs $825/yr).
Best for Simplicity
Vio BankVio Bank's Online Savings Account offers 4.03% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Capital OneCapital One offers an iOS app rated 4.9 (vs. 4.6) and Android app rated 4.5 (vs. 3.4)
Shared Benefits
Over a 1-year period, Vio Bank's Online Savings Account pays $73 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Capital One vs. Vio Bank Savings Calculator
You earn $73 more with Vio 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
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$403.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,403.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $329 per year in interest.
Both Capital One and Vio Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Capital One | Vio Bank |
|---|---|---|
| APY | 3.30% Verified: 2/21/2026 ↘︎ 0.10%90d Change | 4.03% Verified: 2/21/2026 ↘︎ 0.13%90d Change |
| Product Name | 360 Performance Savings | Online Savings Account |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Vio Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Vio Bank |
|---|---|---|
| 360 Performance Savings | Online Savings Account | |
Current APY | 3.30% | 4.03% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.4 | -6.2 |
Days Since Change | 44 | 8 |
3-Month High | 3.40% | 4.21% |
3-Month Low | 3.30% | 4.02% |
Adjustments / Mo | 0.30 | 1.20 |
Volatility Score | 0.015 | 0.016 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Capital One's APY of 3.30% with other banks
Compare Vio Bank's APY of 4.03% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Vio Bank vs Ally Bank | 3.20% | $0 |
| Vio Bank vs American Express | 3.30% | $0 |
| Vio Bank vs Axos Bank | 4.21% | $0 |
| Vio Bank vs Bank of America | 0.01% | $100 |
| Vio Bank vs Barclays | 3.85% | $0 |
| Vio Bank vs Chase Bank | 0.01% | $0 |
| Vio Bank vs Chime | 3.00% | $0 |
| Vio Bank vs CIT Bank | 3.75% | $100 |
| Vio Bank vs Citibank | 3.20% | $0 |
| Vio Bank vs Discover Bank | 3.30% | $0 |
| Vio Bank vs EverBank | 3.90% | $0 |
| Vio Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Vio Bank vs Newtek Bank | 4.20% | $0.01 |
| Vio Bank vs Openbank | 4.09% | $500 |
| Vio Bank vs Pibank | 4.60% | $0 |
| Vio Bank vs SoFi Bank | 4.00% | $0 |
| Vio Bank vs Synchrony Bank | 3.50% | $0 |
| Vio Bank vs Varo Bank | 5.00% | $0 |
| Vio Bank vs Wealthfront | 3.95% | $0 |
| Vio Bank vs Wells Fargo | 0.05% | $25 |