Capital One 360 Performance Savings review

Best for: Capital One customers who want branches and cafes with their online yield.

3.00% 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.

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APY

3.00%

Minimum to open

Minimum to earn APY

Monthly fee

FDIC insured

Yes

Rate note: Variable APY, effective 9/15/2026 per Capital One's own page.

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.
3.00% trails Marcus and 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 September 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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Capital One 360 Performance Savings review

Standout features

Honest drawbacks

Sources

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