Capital One 360 Performance Savings
A HYSA from a major bank with the rare benefit of physical branch access.
APY
3.20%
LiveEditor rating
4.0 / 5
Seguro
FDIC
Cert #4297
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APY history
1 snapshot| Date | APY | Change |
|---|---|---|
| 2026-04-06 | 3.20% | — |
Veredicto del editor
Capital One is one of the few HYSAs from a major bank with physical branch presence. You pay for that physical access in the form of a slightly lower APY — about 50-70bps less than the leaders. Reasonable choice for users who want the option of in-person service.
By HYSA Compare Editorial Team · APY verificado el 2026-04-06T22:53:50.598Z
Pros
- + Physical branches (Capital One Cafés)
- + Strong app and full banking ecosystem
- + No fees
Contras
- − APY trails online-only competitors
- − Compounding is monthly, not daily
What you'd earn at Capital One
Plug in your numbers. We'll show you how much interest you earn at today's rate.
Total contributed
$25,000
Interest earned
$2,930
Final balance
$27,930
Year-by-year breakdown
| Year | Contributed | Balance | Interest |
|---|---|---|---|
| 1 | $13,000 | $13,364 | $364 |
| 2 | $16,000 | $16,835 | $835 |
| 3 | $19,000 | $20,418 | $1,418 |
| 4 | $22,000 | $24,115 | $2,115 |
| 5 | $25,000 | $27,930 | $2,930 |
Assumes monthly compounding and a constant APY. Actual results vary as APYs change. Not financial advice.
Detalles de la cuenta
- Tipo de institución
- BANK
- Depósito mínimo de apertura
- $0
- Saldo mínimo para ganar APY
- $0
- Cargo mensual
- $0.00
- Capitalización
- monthly
- Acceso a cajeros
- Sí
- Cheques
- No
- App móvil
- Sí