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Compare high-yield savings accounts

Capital One 360 Performance Savings

From Capital One

Best for: Online savings with branches nearby

3.10%

APY

$310

$10K earns / yr

As of · sources in Details

The silhouette of a young parent lifting a baby high into an orange and violet sunset sky above the hills.

Pros

  • No fees or minimum
  • Highly rated app, per reviewers
  • Some branches and cafés

Cons

  • Branches only in some areas
  • Not the highest APY on this page

Who it fits

You like having an occasional branch to visit

What reviewers say

Reviewers note a large fee-free ATM network, solid rates, no minimums and a highly rated app. Branches exist only in select states.

Paraphrased from Bankrate, Capital One bank review.

Visit Capital One 360 Performance Savings's official site (opens in a new tab)

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Details: full breakdown and sources

The numbers

APY
3.10%On all balances. Capital One lists it as effective 10/14/2026.As of · source
Minimum
$0No minimum balance.As of · source
Monthly fees
$0No fees to open or keep the account.As of · source

The breakdown

A no-fee savings account from Capital One, with a well-rated app and branch access in some states.

360 Performance Savings pays 3.10% APY on all balances, with no fees to open or keep the account and no minimum balance.

Capital One has branches and cafés in some areas, which is rare for a high-yield account. Discover's savings page now points to this account too.

Review themes, point by point

  • Reviewers note a large fee-free ATM network and solid savings and CD rates.
  • No minimum balance requirements and a highly rated mobile app.
  • Branch access exists in select states.
  • The branch network is limited next to traditional banks.

Reviews reflect each publisher's view on the day they wrote it.

All pros

  • No fees or minimum
  • Highly rated app, per reviewers
  • Some branches and cafés

All cons

  • Branches only in some areas
  • Not the highest APY on this page

Might fit if

  • You like having an occasional branch to visit

Maybe look elsewhere if:

  • You want the top rate available