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Capital One

High Yield Savings Account

Capital One 360 Performance Savings Review 2026

Compare 360 Performance Savings using its reviewed rate, fees and requirements. The headline APY is not a promise of the rate you qualify for.

Headline APY; qualifications apply

3.20%

Updated Oct 26, 2026

Monthly fee

$0

See reviewed fee conditions

Minimum

$0

Ongoing balance requirement; confirm opening terms

Terms checked

Oct 26, 2026

Approved rate and account terms; check other features

FDIC insuredNo monthly fee$0 minimumGood if paired with checkingLinked account transfers and mobile tools
Open account

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Your cash estimate

Capital One earnings

Estimated interest

—

Rate unavailable — confirm with provider before estimating

After-tax estimate

—

Available after a current rate is verified

Compare earnings once a current APY is available.

We cannot estimate earnings or fit until a current APY is available. Confirm the rate with the provider before deciding.

SwitchWize Rating

Fair(2/5)

Best for

No-fee saversNo-minimum openingCapital One online bankingEmergency fund

Below leading alternatives. Check other options on SwitchWize.

This is an editorial rating of rate competitiveness and product terms for Capital One High Yield Savings Account, not a customer star rating.

How this rating works

For deposit accounts, the editorial rating uses the current advertised APY against category-specific rate bands. Listed account terms inform the review, but customer satisfaction is not part of this score.

What we use

  • Current advertised APY
  • Category-specific APY bands
  • Listed fees, minimums, and access terms for the written review

SwitchWize verdict

Good for full-service digital savings. Watch the catch.

Best for

  • Capital One customers
  • People who value app plus cafe/branch options
  • Automatic savings
  • No-fee major-bank savings

Skip if

  • Savings-only ATM withdrawals
  • Highest-rate chasers
  • People who do not want a checking companion
  • Cash above insurance limits without planning

Main catch

Variable rate; rates can change at any time before or after account opening.

Capital One is the bridge between online HYSA yield and a more traditional banking footprint.

Pros & cons

Pros
  • No monthly maintenance fee
  • No minimum opening deposit
  • FDIC insured up to $250,000
Cons

No material drawbacks found in the data we track.

Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.

Cash product truth label

Rate strengthUse the approved balance tiers and qualification rules before estimating earnings.
Fee cleanlinessClean: no monthly fee observed
Minimum balance$0
AccessOnline, app, branch, and cafe support
ATM / debitGood if paired with checking
Transfer speedLinked account transfers and mobile tools
Brand familiarityCapital One, N.A., Member FDIC
Biggest catchVariable rate; rates can change at any time before or after account opening.

Cash access map

Online transfer

Yes

Mobile check deposit

Yes

ATM card

No direct savings ATM

Checking bundle

Available

Branches/cafes

Available

Multiple accounts

Yes

Why SwitchWize ranks this page this way

Rate, access, product terms, and fit all matter.

Ranking drivers

  • No fees to open or keep account
  • No minimum balance to maintain
  • FDIC insured
  • AutoSave tools
  • Mobile check deposit
  • Cafe/branch availability

Points lost

  • Savings ATM withdrawals require moving money to checking first
  • APY not always top market
  • Some tools require checking plus savings

Transfer timeline

1Open

Open online, on mobile, or at a Capital One location with no minimum balance required.

2Fund

Link an account for the first deposit and set recurring transfers if desired.

3Automate

Use AutoSave and multiple savings accounts for separate goals.

4Access

Transfer to 360 Checking when you need ATM cash.

Rate Decay Watch

Will this APY stay competitive after you open?

Set an alert if Capital One falls 0.25, 0.50, or 1.00 percentage points behind the best comparable high-yield savings account. We keep watching so you do not have to.

Set rate alert

Compare alternatives

Do not compare APY alone.

Capital One
3.20%
Good if paired with checking
Variable rate; rates can change at any time before or after account opening.
PiBank · Pibank Savings · Variable rate; the interest rate and APY can change at any time without notice.
4.40%
Compare transfer and ATM rules
Approved headline APY; check this product’s qualifications, balance requirements and fees.
Peak Bank · Envision High Yield Savings · Variable rate; APY may change at any time without notice. The advertised APY is for new accounts only. Balances of $500,000 and above earn 3.40% APY instead.
4.27%
Compare transfer and ATM rules
Approved headline APY; check this product’s qualifications, balance requirements and fees.
EverBank · EverBank Performance Savings · Variable rate; APY may change without notice. The quoted APY is for new accounts only and may not apply to existing accounts. Can only be opened online or by phone.
4.20%
Compare transfer and ATM rules
Approved headline APY; check this product’s qualifications, balance requirements and fees.
LendingClub · LevelUp Savings · Variable rate; may change at any time. Requires $250+ in deposits per month for 4.20%; otherwise the Standard Rate of 3.00% APY applies.
4.20%
Compare transfer and ATM rules
Approved headline APY; check this product’s qualifications, balance requirements and fees.

HYSA

Simple, FDIC-insured, variable APY. Best for emergency funds and idle cash.

Treasury bills

Potential state-tax advantage, but less bank-like access and more purchase and rollover hassle.

Money market account

May add checks or debit access, but compare fees, rate tiers, and insurance status.

Your decision receipt

Recommended if

capital one customers and people who value app plus cafe/branch options.

Skip if

savings-only atm withdrawals or highest-rate chasers.

Best alternative

Ally for stronger savings organization; Synchrony for optional ATM access directly from savings; top-rate HYSA for APY maximization.

Next step

Run the calculator above, compare the top-rate gap, then set a rate watch if you open the account.

Source-backed notes

  • Capital One lists no fees, no minimum balance required to maintain the account, FDIC insurance, AutoSave, mobile check deposit, and cafe access.
  • Capital One states savings withdrawals can be made online or at a branch, but not directly by ATM; ATM access requires transferring to checking.

Always confirm final terms on the provider site before opening. APYs are variable and can change before or after account opening.

Review basis

What we checked for this review

  • Current rate and listed account terms are checked against provider materials and SwitchWize rate observations.
  • The rating is SwitchWize editorial analysis of the terms and fit shown on this page, not a customer rating.
  • This page does not represent a hands-on account test. Confirm final terms with the provider before opening.
How we review accounts
Sources and review dates

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