Capital One vs. Ivy Bank
Capital One's 360 Performance Savings pays 3.00% APY while Ivy Bank's High-Yield Savings Account 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? Ivy Bank pays $85 more than Capital One annually ($385 vs $300).
Choose Capital One if you value in-person banking, you're an Android user (no Android app for Ivy Bank), or you want Zelle for quick transfers. Choose Ivy Bank if getting the best rate matters most.
| Metric | Capital OneBusiness Savings Account Sep 11, 2026 | Ivy BankHigh-Yield Savings Account Sep 11, 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 | $2,500 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredMod. MinimumGreat iOS AppDaily 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. Ivy Bank
Executive Summary
Ivy Bank offers a High-Yield Savings Account with a competitive APY of 3.85%, making it the standout choice for savers looking for higher returns. This account requires a minimum deposit and balance of $250,000 but provides daily compounding with no maintenance fees. In comparison, Capital One's 360 Performance Savings Account yields a solid 3.00% APY, available with no minimum balance and no direct deposit requirement, though it does not match Ivy Bank's rate. For those seeking a youth savings option, Capital One also provides a Kids Savings Account with a 2.50% APY. Overall, Ivy Bank is better for those with larger deposits, while Capital One offers more accessible options.
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 0.0)
- Offers 3 different high-yield savings options
- Fast transfers via Zelle® (up to $2,500 a day)
Why Ivy Bank?
- Higher potential APY (3.85% vs 2.50%-3.50%) on all balances
Key Feature Differences
Better Returns at $10,000
Ivy BankIvy Bank's High-Yield Savings Account earns more on smaller deposits (approx. $385 vs $350/yr).
Better Returns at $25,000
Ivy BankIvy Bank's High-Yield Savings Account pulls ahead with larger amounts (approx. $963 vs $875/yr).
Better for Simplicity
Ivy BankIvy Bank's High-Yield Savings Account offers 3.85% APY with no bundling, direct deposit requirement or caps.
Better Mobile App Experience
Capital OneCapital One offers an iOS app rated 4.8 (vs. 4.6) and Android app rated 4.5 (vs. 0.0)
Shared Benefits
Over a 1-year period, Ivy Bank's High-Yield Savings Account 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. Ivy Bank Savings Calculator
You earn $35 more with Ivy 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
Ivy Bank
High-Yield Savings Account
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 Ivy Bank advertise far more than that typical branch-bank rate.
| Feature | Capital One | Ivy Bank |
|---|---|---|
| APY | 3.50% Observed: 9/11/2026 Stable over 90 days | 3.85% Observed: 9/11/2026 Stable over 90 days |
| Product Name | Business Savings Account | High-Yield Savings Account |
| Minimum Deposit | $0 | $2,500 |
| Min. Balance for APY | $0 | $2,500 |
| 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)) | Not reported |
| 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. | Not Supported |
| BBB Rating | A+ | A- |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at Ivy Bank 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 |
Speed of change | -0.03 | 0.00 |
Days Since Change | 101 | 171 |
7-Month High | 3.20% | 3.50% |
7-Month Low | 3.00% | 3.50% |
Changes per month | 0.27 | 0.00 |
Steadiness | 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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High Rates (With Checking Bundle)
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More Comparisons
Compare Capital One's APY of 3.50% with other banks
Compare Ivy Bank's APY of 3.85% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Ivy Bank vs Ally Bank | 3.00% | $0 |
| Ivy Bank vs American Express | 3.00% | $0 |
| Ivy Bank vs Axos Bank | 4.21% | $0 |
| Ivy Bank vs Barclays | 3.65% | $0 |
| Ivy Bank vs Chime | 3.75% | $0 |
| Ivy Bank vs CIT Bank | 3.75% | $100 |
| Ivy Bank vs EverBank | 3.90% | $0 |
| Ivy Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Ivy Bank vs Newtek Bank | 4.20% | $100 |
| Ivy Bank vs Openbank | 3.80% | $500 |
| Ivy Bank vs Pibank | 4.10% | $0 |
| Ivy Bank vs SoFi Bank | 4.00% | $0 |
| Ivy Bank vs Synchrony Bank | 3.30% | $0 |
| Ivy Bank vs Varo Bank | 3.75% | $0 |
| Ivy Bank vs Wealthfront | 3.95% | $0 |