Online savings account from Capital One, N.A. (Member FDIC).
Capital One 360 Performance Savings
Capital One ·
- APY
- 3.20%
- Minimum
- None
- Monthly fee
- None
Savers who already bank with Capital One or want café and branch access
- No fees to open or keep the account and no minimum balance
- Interest compounded and credited monthly
- Variable rate that can change at any time before or after you open the account
Our verdict
Capital One 360 Performance Savings scores 3.4 out of 5 (67.1 of 100 points) in our method, which ranks it #5 of 8 verified savings accounts we compare. Best for: savers who already bank with Capital One or want café and branch access.
Key terms
| APY | 3.20% |
|---|---|
| Minimum | None |
| Monthly fee | None |
| Deposit insurance | FDIC-insured, as stated by the provider |
| Terms verified | 11/03/2026 |
Pros and cons
Pros
- No fees to open or keep the account and no minimum balance
- Interest compounded and credited monthly
Cons
- Variable rate that can change at any time before or after you open the account
Who it is for
- A good fit: Savers who already bank with Capital One or want café and branch access.
- Look at other options if any of these is a dealbreaker: variable rate that can change at any time before or after you open the account.
How it compares
| Account | APY | Minimum | Monthly fee | Our rating |
|---|---|---|---|---|
| Synchrony Bank High Yield Savings | 3.75% | None | None | 3.7 |
| CIT Bank Savings Connect | 3.65% | $100 | None | 3.6 |
| Marcus Online Savings Account | 3.50% | None | None | 3.5 |
| Ally Bank Savings Account | 3.20% | None | None | 3.4 |
| Capital One 360 Performance Savings | 3.20% | None | None | 3.4 |
| American Express High Yield Savings Account | 3.20% | None | None | 3.4 |
| Quontic High Yield Savings | 3.20% | $100 | None | 3.3 |
| Wells Fargo Way2Save Savings | 0.01% | $25 | $5 | 1.2 |
See it in our full comparison: High-Yield Savings Accounts: Compared.
How we scored it
The score uses only the savings account’s published terms. Whether a provider pays us, or whether we have any agreement with it, plays no part. Read the full method.
| Part | Weight | This savings account |
|---|---|---|
| APY | 60 | 53 / 100 |
| Fees and minimums | 25 | 100 / 100 |
| Tools and service | 15 | not scored |
Frequently asked questions
What is the APY on the Capital One 360 Performance Savings?
Capital One advertised an APY of 3.20% on 11/03/2026. Savings rates are variable and can change at any time, so check the current rate on the provider's site before you open an account.
Does the Capital One 360 Performance Savings have fees or a minimum deposit?
Monthly fee: none. Minimum to open: none. (Provider terms, verified 11/03/2026.)
Is the Capital One 360 Performance Savings FDIC insured?
Yes, according to the provider. FDIC insurance covers deposits up to $250,000 per depositor, per insured bank, per ownership category. You can check any bank in FDIC BankFind.
How much would $10,000 earn in a year?
At 3.20% APY, about $320 over 12 months if the rate did not change (APY already includes compounding). Try your own numbers in the compound interest calculator.
Sources
- Capital One product page, read 11/03/2026
- FDIC: deposit insurance coverage
Terms change; confirm them on the provider’s site. Not financial advice.