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Account review
Capital One 360 Performance Savings review
Best for: Capital One customers who want branches and cafes with their online yield.
3.20% variable with no fees or minimums — plus something no other account here offers: 450+ branches and 50 Capital One Cafes for in-person help, and a top-rated app with AutoSave.
How we make money (or don't): BidAsk currently has no affiliate relationships
with these banks and earns no commission if you open an account — the links below go directly
to each provider's own site, except the Marcus savings link, which is a personal referral link:
if you open a Marcus Online Savings Account through it, you earn an extra 1.00% APY for 3 months
(per Marcus's referral terms) and the site's publisher earns the same rate boost on his account.
See our full disclosure.
APY
3.20%
Minimum to open
$0
Minimum to earn APY
$0
Monthly fee
$0
FDIC insured
Yes
Rate note: Variable APY; Bankrate and Capital One list 3.20%, rates effective November 1, 2026.
Standout features
- Real branches and Cafes — rare for a 3%+ yield account.
- Top-rated mobile app with AutoSave automatic-savings plans.
- No fees, no minimums; same rate on your entire balance (interest compounds monthly).
Honest drawbacks
- ATM withdrawals require moving money to 360 Checking first.
- 3.20% trails the top picks in this table.
- Capital One's Discover acquisition closed May 2025 — Discover Bank accounts now count with your other Capital One accounts for FDIC coverage math.
Open an account at Capital One →
Link goes directly to Capital One's own site. Rates verified November 2026. Banks change APYs without notice — confirm the current rate on the provider's site before opening an account.
Sources
- Capital One 360 Performance Savings (official) (checked Sep 2026)
- NerdWallet: Capital One 360 bank review (Sep 2026) (checked Sep 2026)
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