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Capital One 360 Performance Savings

Rated on published terms

Variable-rate online savings with no fees and no minimum balance; Capital One's page shows the current APY.

Rates verified October 22, 2026
High-Yield Savings
Open account

The Bottom Line

APY
3.00% (verified Oct 22, 2026). All rates and fees

Key facts

  • Min. deposit: None
  • Monthly fee: None
  • Insurance: FDIC insured

Pros

  • No fees to open or keep the account, and no minimum balance required
  • Capital One states one APY applies to all account balances, with no tiers
  • Deposits held at Capital One, N.A., Member FDIC

Cons

  • Withdrawals are online or at a branch, not by ATM
  • The APY is variable and can change
  • Accounts opened on or after May 18, 2025 are counted with your other Capital One deposit accounts for FDIC limits

At a glance

Rates verified October 22, 2026
APY
3.00%
APY note
Capital One states the APY is variable and effective 10/14/2026, and that one rate applies to all account balances (no tiers). The APY figure did not display in the page we read on October 14, 2026, so check Capital One's page for the current rate. The 3.00% shown is the last figure we recorded (October 8, 2026) and was not re-confirmed.
Minimum deposit
None
Monthly fee
None
FDIC
Member FDIC (Capital One, N.A.), insured up to allowable limits. Accounts opened on or after May 18, 2025 are counted with your other Capital One deposit accounts for FDIC limits.
Institution
Capital One, N.A.
ATM access
No

Sources: capitalone.com/bank/savings-accounts/online-per…, capitalone.com/bank/disclosures/savings-account…, read October 22, 2026

How this rate compares

8.1x

the FDIC national savings average of 0.37% (September 21, 2026). On a $10,000 balance that is about $263 more in a year.

Last verified October 22, 2026

We re-verify against the issuer's own page when we refresh this listing, and we stamp that date. We do not claim a daily check.

APYs are variable and can change at any time. The FDIC national average is a floor for what an ordinary savings account pays, not a competitor. Named comparisons use each product's last issuer-page check.

Is it worth it?

$300 a year on a $10,000 balance

At 3.00% APY, $10,000 earns about $300 in the first year, versus roughly $37 at the 0.37% FDIC national average (September 21, 2026). That is about $263 more for moving the same money. APY is variable and shown as of the date above.

What is Capital One 360 Performance Savings?

Sources read on the date shown
Capital One 360 Performance Savings is the online savings account from Capital One, N.A. The honest verdict: judge it on its terms, which are no fees and no minimum balance, and check the current APY on Capital One's page before you open, because we could not read the rate figure on October 14, 2026. Capital One's page states that the APY is variable and effective 10/14/2026 and that one rate applies to all account balances, with no tiers. The APY figure itself did not display in the page as we could read it on October 14, 2026, and the 3.00% in our data is the last figure we recorded (October 8, 2026), which we did not re-confirm. Capital One states there are no fees to open or keep the account and no minimum balance required. Deposits are held at Capital One, N.A., Member FDIC, and accounts opened on or after May 18, 2025 are counted with your other Capital One deposit accounts for FDIC limits. The catches: Capital One says you can withdraw online or at a branch, but not by using an ATM, and the rate is variable, so it can change after you open.
Sourcecapitalone.com ↗

Key details

Single variable APY on all account balancesNo fees to open or keep the accountNo minimum balance requiredWithdrawals online or at a branch, not by ATMPairs with Capital One 360 Checking

Explore more

Best High-Yield Savings

Capital One 360 Performance Savings FAQ

What is the current APY on Capital One 360 Performance Savings?

Capital One states the APY is variable, effective 10/14/2026, and that the same rate applies to all account balances. The figure did not display in the page we read on October 14, 2026, so check Capital One's page for the current rate. The last figure we recorded was 3.00% APY (October 8, 2026), and it was not re-confirmed.

Is Capital One 360 Performance Savings FDIC insured?

Yes. Deposits are held at Capital One, N.A., Member FDIC, insured up to allowable limits. Accounts opened on or after May 18, 2025 are counted with your other Capital One deposit accounts for FDIC limits.

What are the minimums and fees?

Capital One states there are no fees to open or keep the account and no minimum balance required to maintain it.

Can I use an ATM with Capital One 360 Performance Savings?

No. Capital One says you can withdraw your money online or at a branch, but not by using an ATM.

Source: capitalone.com

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