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Capital One 360 Performance Savings

Editor reviewed

3.00% APY with real cash deposits via branches, cafes, and CVS

Rates verified October 8, 2026
High-Yield Savings
Open account
Tracked since2026
0 reviews tracked

The Bottom Line

APY
3% (verified Oct 8, 2026). All rates and fees

Key facts

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

Pros

  • Only major HYSA with real cash-deposit access
  • Frequent cash bonuses
  • Instant internal transfers and 360 Checking pairing

Cons

  • Headline rate mid-pack
  • History of the 360 Savings vs Performance Savings two-tier controversy ($425M settlement)
  • Trails the 4%+ rate leaders by more than a full point

At a glance

Rates verified October 8, 2026
APY
3%
Minimum deposit
None
Monthly fee
None
FDIC
Direct, Member FDIC, $250k
Institution
Capital One, N.A.
ATM access
Yes

How this rate compares

7.9x

the FDIC national savings average of 0.38% (August 17, 2026). On a $10,000 balance that is about $262 more in a year.

Last verified October 8, 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% APY, $10,000 earns about $300 in the first year, versus roughly $38 at the 0.38% FDIC national average (August 17, 2026). That is about $262 more for moving the same money. APY is variable and shown as of the date above.

What is Capital One 360 Performance Savings?

Editorial review
Capital One 360 Performance Savings is for savers who need physical access: it is the only major high-yield savings account with real cash-deposit rails through branches, cafes, and CVS. The honest verdict: buy it for access and bonuses, not the APY. The consensus rate is 3.00% APY as of mid-July 2026 (NerdWallet, CNBC Select updated July 15, and Forbes June 2 agree), with no minimum deposit, no minimum balance for the rate, and no monthly fee. Deposits are held directly at Capital One, N.A., Member FDIC, insured to $250,000 per depositor. Instant internal transfers, pairing with 360 Checking, kids' accounts, and tiered new-money bonuses up to $1,500 round out the package. The catches: the headline rate is mid-pack, and Capital One carries the history of the 360 Savings vs Performance Savings two-tier controversy that ended in a $425M settlement.
how we evaluateSourcecapitalone.com ↗

Key details

3.00% APY on all balancesCash deposits via CVS, branches, and cafesInstant internal transfersPairs with 360 CheckingNew-money bonus promos up to $1,500 tieredKids' accountsPhysical branch and cafe network, rare for a HYSA

Explore more

Best High-Yield Savings

Capital One 360 Performance Savings FAQ

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

The consensus across trackers is 3.00% APY as of mid-July 2026 (NerdWallet, CNBC Select July 15, Forbes June 2). Capital One's own rate page stamps an effective date of July 22, 2026. One outlet claimed 4.00%, which is treated as outdated or promo confusion.

Is Capital One 360 Performance Savings FDIC insured?

Yes. Deposits are held directly at Capital One, N.A., Member FDIC, insured up to $250,000 per depositor.

What are the minimums and fees?

There is no minimum deposit, no minimum balance requirement, and no monthly fee.

Source: capitalone.com

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