Capital One vs. Forbright Bank
Capital One's 360 Performance Savings pays 3.00% APY while Forbright Bank's Growth Savings pays 3.85% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Forbright Bank pays $85 more than Capital One annually ($385 vs $300).
Choose Capital One if you value in-person banking. Choose Forbright Bank if getting the best rate matters most.
| Metric | Capital OneBusiness Savings Account Sep 5, 2026 | Forbright BankGrowth Savings Sep 7, 2026 |
|---|---|---|
| APY | 3.50% | 3.85% |
Earns in a year | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min. Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Limited offer: The stated APY includes a temporary 0.30% APY boost for new customers. Only people who never had a Forbright Bank Growth Savings or Growth CD account can get the boost. The account must be opened online, and a one-time balance of $1,000 must be reached by 08/31/2026. The boost ends on 12/31/2026, and a lower APY applies after that. Existing customers get the standard APY. See terms at Forbright Bank. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often |
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. Forbright Bank
Executive Summary
Forbright Bank offers a competitive Growth Savings account with an APY of 3.85%, which includes a temporary boost for new customers. This account is available online and requires a minimum deposit of $1,000 to qualify for the higher rate, making it a strong option for those looking to maximize their savings. In comparison, Capital One's 360 Performance Savings account provides a consistent APY of 3.00% with no minimum balance or deposit requirements. While both banks offer strong savings options, Forbright Bank's Growth Savings account stands out for its higher yield, particularly for new customers. However, eligibility for Forbright's accounts is limited to certain states and requires branch access for some products.
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?
No distinct advantages found vs Forbright Bank.
Why Forbright Bank?
- Higher potential APY (3.46%-3.85% vs 2.50%-3.50%) on all balances
Key Feature Differences
Better Returns at $10,000
Forbright BankForbright Bank's Growth Savings earns more on smaller deposits (approx. $385 vs $350/yr).
Better Returns at $25,000
Forbright BankForbright Bank's Growth Savings pulls ahead with larger amounts (approx. $963 vs $875/yr).
Better for Simplicity
Forbright BankForbright Bank's Growth Savings offers 3.85% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Forbright Bank's Growth Savings pays $35 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. Forbright Bank Savings Calculator
You earn $35 more with Forbright 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
Business Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
Forbright Bank
Growth Savings
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
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 Capital One and Forbright Bank advertise far more than that typical branch-bank rate.
| Feature | Capital One | Forbright Bank |
|---|---|---|
| APY | 3.50% Observed: 9/5/2026 Stable over 90 days | 3.85% Observed: 9/7/2026 Stable over 90 days |
| Product Name | Business Savings Account | Growth 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 | 252 (CT, DC, DE, LA, MD, NJ, NY, TX (+1 more)) | 4 (MD) |
| 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 Branch accounts only; Growth Savings online does NOT support. |
| BBB Rating | A+ | A+ |
| Important Notes | - | Limited offer: The stated APY includes a temporary 0.30% APY boost for new customers. Only people who never had a Forbright Bank Growth Savings or Growth CD account can get the boost. The account must be opened online, and a one-time balance of $1,000 must be reached by 08/31/2026. The boost ends on 12/31/2026, and a lower APY applies after that. Existing customers get the standard APY. See terms at Forbright Bank. |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Forbright Bank Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | Forbright Bank | |||
|---|---|---|---|---|---|
| 360 Performance Savings | Business Savings Account | Bright Business Savings | Bright Savings | Sprout Savings | |
Current APY | 3.00% | 3.50% | 3.46% | 3.46% | 3.46% |
Trend | Stable | Stable | Stable | Stable | Stable |
Speed of change | -0.03 | 0.00 | 0.00 | 0.00 | 0.00 |
Days Since Change | 97 | 167 | 144 | 144 | 144 |
7-Month High | 3.20% | 3.50% | 3.46% | 3.46% | 3.46% |
7-Month Low | 3.00% | 3.50% | 3.45% | 3.45% | 3.45% |
Changes per month | 0.27 | 0.00 | 0.14 | 0.14 | 0.14 |
Steadiness | 0.026 | 0.000 | 0.001 | 0.001 | 0.001 |
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 219-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 Capital One's APY of 3.50% with other banks
Compare Forbright Bank's APY of 3.85% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Forbright Bank vs Ally Bank | 3.00% | $0 |
| Forbright Bank vs American Express | 3.00% | $0 |
| Forbright Bank vs Axos Bank | 4.21% | $0 |
| Forbright Bank vs Barclays | 3.65% | $0 |
| Forbright Bank vs Chime | 3.75% | $0 |
| Forbright Bank vs CIT Bank | 3.75% | $100 |
| Forbright Bank vs EverBank | 3.90% | $0 |
| Forbright Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Forbright Bank vs Newtek Bank | 4.20% | $100 |
| Forbright Bank vs Openbank | 3.80% | $500 |
| Forbright Bank vs Pibank | 4.10% | $0 |
| Forbright Bank vs SoFi Bank | 4.00% | $0 |
| Forbright Bank vs Synchrony Bank | 3.30% | $0 |
| Forbright Bank vs Varo Bank | 3.75% | $0 |
| Forbright Bank vs Wealthfront | 3.95% | $0 |