Bask Bank vs. Capital One
Bask Bank's Interest Savings Account pays 3.75% APY while Capital One's 360 Performance Savings pays 3.00% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Bask Bank pays $75 more than Capital One annually ($375 vs $300).
Choose Bask Bank if getting the best rate matters most. Choose Capital One if BBB rating matters to you, or you value in-person banking.
| Metric | Bask BankInterest Savings Account Sep 11, 2026 | Capital OneBusiness Savings Account Sep 11, 2026 |
|---|---|---|
| APY | 3.75% | 3.50% |
Earns in a year | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min. Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Market Reality Check
Both of these institutions offer rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.
Comparison Analysis
Comparing Bask Bank vs. Capital One
Executive Summary
Bask Bank offers a competitive Interest Savings Account with a notable APY of 3.75%, which is higher than Capital One's 360 Performance Savings account that has a consistent APY of 3.00%. Bask Bank's account is online-only and requires no minimum deposit or balance, making it accessible for all. Additionally, there are no direct deposit requirements or maintenance fees. In contrast, Capital One provides a range of savings options, including a Kids Savings Account yielding 2.50% and a Business Savings Account at 3.50%, but these rates fall short of Bask Bank's offering. Overall, Bask Bank's Interest Savings Account stands out as the better choice for those seeking higher returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Bask Bank?
- Higher potential APY (3.75% vs 2.50%-3.50%) on all balances
Why Capital One?
- Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- Offers 3 different high-yield savings options
Key Feature Differences
Better Returns at $10,000
Bask BankBask Bank's Interest Savings Account earns more on smaller deposits (approx. $375 vs $350/yr).
Better Returns at $25,000
Bask BankBask Bank's Interest Savings Account pulls ahead with larger amounts (approx. $938 vs $875/yr).
Better for Simplicity
Bask BankBask Bank's Interest Savings Account offers 3.75% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Bask Bank's Interest Savings Account pays $25 more interest on a $10,000 balance than Capital One's Business Savings Account.
*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
Bask Bank vs. Capital One Savings Calculator
You earn $25 more with Bask 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.
Bask Bank
Interest Savings Account
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
Capital One
Business Savings Account
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.
Still at a large branch bank?
A typical branch-bank savings rate is 0.05% APY. On a $10,000 balance, the gap to these two banks is at least $345 a year in interest.
Both Bask Bank and Capital One advertise far more than that typical branch-bank rate.
| Feature | Bask Bank | Capital One |
|---|---|---|
| APY | 3.75% Observed: 9/11/2026 0.25%90-day change | 3.50% Observed: 9/11/2026 Stable over 90 days |
| Product Name | Interest Savings Account | Business Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | N/A |
| Compound Frequency | Daily | Monthly |
| In-Branch Access | No | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | Not reported | 252 (CT, DC, DE, LA, MD, NJ, NY, TX (+1 more)) |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Available for Interest Checking; not for standalone savings. | Available Limit: $2,500/dayAvailable for 360 Checking accounts. |
| BBB Rating | B | A+ |
| Next Steps | Visit SiteVerify at Bask Bank Non-sponsored link to official site | Visit SiteVerify at Capital One Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Bask Bank | Capital One | |
|---|---|---|---|
| Interest Savings Account | 360 Performance Savings | Business Savings Account | |
Current APY | 3.75% | 3.00% | 3.50% |
Trend | Stable | Stable | Stable |
Speed of change | -0.04 | -0.03 | 0.00 |
Days Since Change | 129 | 101 | 171 |
7-Month High | 4.00% | 3.20% | 3.50% |
7-Month Low | 3.75% | 3.00% | 3.50% |
Changes per month | 0.13 | 0.27 | 0.00 |
Steadiness | 0.029 | 0.026 | 0.000 |
How to read these metrics(Click to expand)
Trends and speed
- Trend: The general direction of the rate over the analyzed period. Useful for seeing whether a bank is raising its rate or letting it slip.
- Speed of change: How fast the rate moves. A high positive number means they raise rates quickly. A reading of 0.10 is a tenth of a percentage point each month.
- Changes per month: How often the rate moves. A high number means it changes constantly; a low number means it holds.
Risk & Range
- High/Low: The absolute ceiling and floor of the rate during the 223-day window.
- Steadiness: How far the rate swings around its average. A lower score means a steadier, more predictable rate.
- Days Since Change: A high number, for example above 90, means the rate rarely moves. A low number means it changed recently.
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More Comparisons
Compare Bask Bank's APY of 3.75% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Bask Bank vs Ally Bank | 3.00% | $0 |
| Bask Bank vs American Express | 3.00% | $0 |
| Bask Bank vs Axos Bank | 4.21% | $0 |
| Bask Bank vs Barclays | 3.65% | $0 |
| Bask Bank vs Chime | 3.75% | $0 |
| Bask Bank vs CIT Bank | 3.75% | $100 |
| Bask Bank vs EverBank | 3.90% | $0 |
| Bask Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Bask Bank vs Newtek Bank | 4.20% | $100 |
| Bask Bank vs Openbank | 3.80% | $500 |
| Bask Bank vs Pibank | 4.10% | $0 |
| Bask Bank vs SoFi Bank | 4.00% | $0 |
| Bask Bank vs Synchrony Bank | 3.30% | $0 |
| Bask Bank vs Varo Bank | 3.75% | $0 |
| Bask Bank vs Wealthfront | 3.95% | $0 |