LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
Fintiex
Get started
Savings / Accounts
Savings account review

Capital One 360 Performance Savings Review (2026)

Capital One earned 4.3 / 5 in our 2026 review. Best for: hybrid online-branch banking. Here is the full breakdown.

By the Fintiex Rate Desk · Updated 2026-05-02
Open at Capital One Compare all 8 accounts
TL;DR
APY
4.10%
Min to open
$0
Monthly fee
$0
FDIC
Insured
Mobile app
4.8 / 5
Min balance
None
Withdrawal limit
None enforced
Fintiex rating
4.3 / 5
Pros
  • +Access to 280+ Capital One Cafes and branches
  • +Top-rated mobile app with 4.8 stars
  • +Savings goals within the app
  • +Pairs with Capital One checking and credit cards
  • +No minimum balance or fees ever
Cons
  • -APY below best online-only competitors
  • -Rate adjustments can lag market moves
  • -Capital One Cafes are not full-service branches
Best for

Capital One 360 Performance Savings is the right pick if you prioritize hybrid online-branch banking. If that does not match what you need, compare against the other 7 picks on the savings accounts hub.

Rate history

Today
4.10%
30 days ago
4.10%
90 days ago
4.05%
1 year ago
3.70%

Rate history is approximate and reflects the broader market trend for top online savings accounts. Capital One adjusts its APY in response to Federal Reserve policy decisions, typically within 1 to 4 weeks of a Fed move. We refresh this section weekly.

How to open a Capital One account

Opening Capital One 360 Performance Savings takes about 10 minutes online. You will need a Social Security number, a valid US address, and a funding source (an existing bank account login, debit card, or check by mail). The account is usually approved instantly, and your first ACH transfer typically clears in 1 to 3 business days.

  • Visit the Capital One savings page
  • Enter your name, address, and Social Security number
  • Fund the account (no minimum)
  • Set up two-factor authentication and confirm your email
  • Start earning 4.10% APY the next business day
Open at Capital One View Capital One fee schedule

Frequently asked questions

Is Capital One 360 Performance Savings FDIC insured?
Yes. Capital One is a member of the FDIC, which insures deposits up to $250,000 per depositor, per bank, per ownership category. If the bank fails, the federal government guarantees your money up to that limit. You can verify FDIC membership at fdic.gov/bankfind.
What APY does Capital One 360 Performance Savings pay right now?
Capital One 360 Performance Savings pays 4.10% APY as of our last update on 2026-05-02. APY is variable and can change at any time as the Federal Reserve adjusts rates. Banks usually move their APY within 1 to 4 weeks of a Fed rate change.
Are there any monthly fees on Capital One 360 Performance Savings?
No. Capital One 360 Performance Savings has no monthly maintenance fee. There is also no minimum balance requirement to avoid a fee.
What is the minimum to open Capital One 360 Performance Savings?
Capital One 360 Performance Savings has no minimum opening deposit. You can open the account and fund it later.
How do I open a Capital One 360 Performance Savings account?
You can open Capital One 360 Performance Savings online in about 10 minutes. You will need a Social Security number, a valid US address, and a funding source (an existing bank account or a debit card). The account is usually approved instantly. Funds typically arrive 1 to 3 business days after the first ACH transfer settles.
Can I withdraw money from Capital One 360 Performance Savings anytime?
Yes. Unlike a CD, Capital One 360 Performance Savings is a liquid savings account. You can transfer money out at any time via ACH, wire, or (if supported) ATM. Federal Regulation D withdrawal limits were lifted in 2020, but some banks still cap free monthly withdrawals at 6.

Ready to open Capital One 360 Performance Savings?

Takes about 10 minutes. 4.10% APY, FDIC insured.

Open at Capital One Compare other accounts