Capital One vs. EverBank
Capital One's 360 Performance Savings pays 3.00% APY while EverBank's Performance Savings pays 3.90% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? EverBank pays $90 more than Capital One annually ($390 vs $300).
Choose Capital One if you value in-person banking. Choose EverBank if getting the best rate matters most.
| Metric | Capital OneBusiness Savings Account Aug 20, 2026 | EverBankPerformance Savings Aug 20, 2026 |
|---|---|---|
| APY | 3.50% | 3.90% |
Est. Earnings | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingStable Rate |
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 Capital One vs. EverBank
Executive Summary
A detailed summary for this comparison is being prepared. Check back soon.
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?
- ✓Offers 3 different high-yield savings options
Why EverBank?
- ✓Higher potential APY (3.90% vs 2.50%-3.50%) on all balances
Key Feature Differences
Better Returns at $10,000
EverBankEverBank's Performance Savings earns more on smaller deposits (approx. $390 vs $350/yr).
Better Returns at $25,000
EverBankEverBank's Performance Savings pulls ahead with larger amounts (approx. $975 vs $875/yr).
Best for Simplicity
EverBankEverBank's Performance Savings offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, EverBank's Performance Savings pays $40 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
Capital One vs. EverBank Savings Calculator
You earn $40 more with EverBank 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
Business Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
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 $349 per year in interest.
Both Capital One and EverBank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Capital One | EverBank |
|---|---|---|
| APY | 3.50% Verified: 8/20/2026 - | 3.90% Verified: 8/20/2026 - |
| Product Name | Business Savings Account | Performance Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | N/A | $0 |
| Compound Frequency | Monthly | Daily |
| In-Branch Access | Yes | No |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | 11 locations in Florida and California |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Available Native integration verified. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at EverBank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | |
|---|---|---|
| 360 Performance Savings | Business Savings Account | |
Current APY | 3.00% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.5 | 0.0 |
Days Since Change | 80 | 149 |
7-Month High | 3.20% | 3.50% |
7-Month Low | 3.00% | 3.50% |
Adjustments / Mo | 0.30 | 0.00 |
Volatility Score | 0.026 | 0.000 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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