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Capital One 360 Performance Savings Review: High APY, Plus In-Person Access

Review Updated
Ryan Wilcox
Author: Ryan Wilcox
Ryan Wilcox
Ryan Wilcox
Full-Time Personal Finance Writer

Ryan Wilcox is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, auto insurance, and other personal finance topics. Ryan has been writing about credit cards and savings since 2022. Before joining Motley Fool Money, he was a full-time writer at The Points Guy, where he focused on maximizing credit card rewards and travel strategies. He holds a bachelor’s degree in English and American History from the University of North Carolina at Chapel Hill, where he also spent four years reporting for The Daily Tar Heel. With a background in both journalism and consumer finance, he brings a clear and thoughtful voice to money topics. Outside of work, Ryan is likely reading, writing, or updating his Letterboxd account.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. APY = Annual Percentage Yield.

Looking to earn more on your savings, but not ready to commit to an online-only bank? I've got the account for you: the Capital One 360 Performance Savings account.

With Capital One, you'll get a strong 3.00% APY with no fees and no minimums -- plus all the upsides of in-person support at Capital One's physical branches.

I've written about all types of savings accounts, and I can say with certainty that that's a pretty rare combo. It's no wonder it snagged the title of Best Account for Branch Access on our list of 2025's top high-yield savings accounts.

Here's what else to know about the Capital One 360 Performance Savings account.

Rates as of

Capital One 360 Performance Savings

Member FDIC.
4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
APY
3.00% Rate info Circle with letter I in it. See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of Jun. 2, 2026. Rates are subject to change at any time before or after account opening. Capital One 360 Performance Savings: A rate of 3.00% Annual Percentage Yield (APY) applies to all account balances. Advertised rates are variable and effective as of 6/2/2026. Rates are subject to change at any time before or after account opening. The 360 Performance Savings account has no monthly cycle service charge and no minimum balance required to open or maintain the account.
Min. To Earn APY
$0
  • Competitive APY
  • No monthly account fee
  • Comfort of a well-known brand and reputation
  • Branch access (if you live near one)
  • 24/7 customer support
  • FDIC insured
  • No ATM access

Capital One 360 Performance Savings checks all the boxes we look for in a high-yield savings account. It even offers branch locations and Capital One Cafes where customers can seek in-person support (if you live near one). This makes it a great fit when you want to reap the rewards of online banking but aren't quite ready to cut ties with brick-and-mortar banks.

Open a Capital One 360 Performance Savings Account

Our ratings are determined by an editorially independent Ratings team. Here's more information about how we scored this product:

APY (50%)
4.00/5
Brand & Reputation (20%)
Brand (20%)
5.00/5
Account Features (15%)
Features (15%)
4.00/5
Fees (15%)
5.00/5

At Motley Fool Money, we rate savings accounts on a five-star scale, shown in tenths of a point to highlight even small differences between products. Accounts are evaluated across four main criteria:

  • APY
  • Brand and reputation
  • Fees and minimum requirements
  • Accessibility and features

Scores may be adjusted to reward limited-time high rates or penalize accounts with excessive fees. Our goal is to highlight accounts that are competitive, easy to use, and backed by trusted institutions. Learn more about how Motley Fool Money rates bank accounts.

At Motley Fool Money, we rate savings accounts on a five-star scale, shown in tenths of a point to highlight even small differences between products. Accounts are evaluated across four main criteria:

  • APY
  • Brand and reputation
  • Fees and minimum requirements
  • Accessibility and features

Scores may be adjusted to reward limited-time high rates or penalize accounts with excessive fees. Our goal is to highlight accounts that are competitive, easy to use, and backed by trusted institutions. Learn more about how Motley Fool Money rates bank accounts.

What I like about Capital One 360 Performance Savings

No fees or minimum balance requirements

Capital One's savings account is easy to open and even easier to hold on to. There are no monthly fees, no minimum balance requirements, and no balance thresholds to earn interest. There are no monthly fees to get between you and your money.

No matter how much you start your account with, you'll immediately start earning a competitive APY. That's a far cry from some of Capital One's competitors, which require that you keep a certain amount in your account to avoid maintenance fees or qualify for the highest APY.

Seamless pairing with Capital One 360 Checking

The Capital One 360 Performance Savings account works best when combined with the Capital One 360 Checking account.

Transfers between the two are instant, so you can keep your savings growing while keeping easy access to cash when you need it. Say goodbye to delayed transfers between your different accounts. Put saving on autopilot with an automatic savings plan and Capital One 360 Performance Savings.

User-friendly app and interface

Capital One's mobile app is highly rated and offers tools that make saving easier.

With its intuitive interface, you can easily manage your money and plan for things like travel, emergencies, or upcoming purchases. The app makes it easy as can be to stay on track with your savings goals.

It also connects your savings account with other Capital One products, giving you a full view of your finances in one place. If you want convenient access to your entire financial profile, Capital One has you covered.

Physical branches and Capital One Cafes

Unlike most banks offering high-yield savings accounts, Capital One has tons of physical locations for convenient in-person access. Its traditional branches and unique Capital One Cafes give customers plenty of options for face-to-face service.

While Cafe locations are few and far between, its widespread physical branches are great if you prioritize an in-person experience.

We want to know what you think about Capital One 360 Performance Savings

Do you have first-hand knowledge of Capital One 360 Performance Savings? Share your thoughts with us and your fellow Motley Fool Money readers.

Capital One 360 Performance Savings
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Capital One 360 Performance Savings
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Capital One 360 Performance Savings

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I authorize Motley Fool Money to use my name and comments on their site without compensation or final approval from me, and I will not hold them liable for any errors or distortions. I acknowledge that Motley Fool Money may choose not to use my comments, or make edits, and I have not been promised any compensation for this testimonial. I confirm that granting this license does not conflict with any of my existing commitments.

Recent reviews
Capital One 360 Performance Savings
4.0
4.0/5
• 4 reviews
Featured Reviews
4.0/5
Olivia, a Motley Fool employee
Feb. 21, 2025
I love that Capital One 360 Performance Savings allows me to keep separate savings 'buckets' for my various savings goals and sinking funds in one place, making it easy to transfer from my checking account and providing a comprehensive view of my accounts. On top of that, they provide a higher interest rate than standard bank savings accounts, which is always a nice deposit at the end of the month rather than the few cents I'm used to getting. I feel that my money is working for me while making budgeting easy and user-friendly.
5.0/5
Kyle, a Motley Fool employee
Feb. 6, 2025
I've had a Capital One 360 Performance Savings account for over five years now and it's been a great decision. They offer a competitive APY, don't tack on any fees, and have a user-friendly app that makes moving around your money easy. This is a great place to house your emergency fund or savings for upcoming projects.
4.0/5
J.W.
Jan. 11, 2025
I've been a capital one customer for 5+ years. The checking, savings, and 10-month cd have reliable customer service and competitive rates. I would not recommend them for credit cards (high rates), but I am happy with the savings account, and it has an excellent mobile app.
3.0/5
Al M
Dec. 10, 2024
I've been with Capital One for many years. I've seen their rates go up and down. It used to take 3 days for a transfer to complete and now it's taking 7 to 8 days.
Consumer reviews posted on The Motley Fool Money are the independent opinions of the reviewers, and not The Motley Fool Money. We do not endorse any of the opinions expressed, and do not guarantee or verify the accuracy of the opinions shared by individual reviewers. Some reviews may be edited for length or clarity.

Downsides you should consider

No ATM or debit card access

There are a few downsides to consider with Capital One -- first, this account doesn't come with an ATM card or check-writing features. To withdraw cash, you'll need to transfer money into a checking account first.

If you pair this account with a Capital One 360 Checking account, then your problem's solved. Any other checking account will do, too. If you go with just the savings account, though, you might run into a few issues.

APY isn't always the highest available

While the account's APY is very strong -- a 3.00% APY is more than 7X the national average -- some online-only banks do offer slightly higher rates.

For example, the CIT Platinum Savings account is offering up to 4.10%* APY for balances of $5,000 or more. And Barclays Tiered Savings is offering 3.50% APY on all balances under $250,000.

If your only priority is maximizing your earnings, you may want to look elsewhere.

Customer service

Capital One provides 24/7 access to your account through phone and online chat -- round-the-clock availability that many traditional banks don't match.

However, some customers have reported less-than-great experiences, as Capital One often outsources its support. Results may vary here.

Accessing your money

The fastest way to access your funds is by linking to a Capital One 360 Checking account for instant transfers.

You can also send money to an external account, but those transfers may take a couple of business days. Without a checking account, though, you'll need to plan ahead when moving your money.

Security and reliability

Capital One is a long-established bank with strong security measures. Accounts are FDIC insured up to $250,000, giving you standard protection against bank failure.

The bank also offers two-factor authentication, account alerts, and fraud monitoring, adding further protection for your money. You've also got that 24/7 support to help you out in an emergency.

Compare savings rates

Make sure you're getting the best account for you by comparing savings rates and promotions. Here are some of our favorite high-yield savings accounts to consider.

Account APY Bonus Next Steps
up to 3.80%
Rate info Circle with letter I in it. Earn up to 3.80% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.70% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
Min. to earn: $0
Earn $50 or $400 and +0.70% Boost on Savings APY with direct deposit. Terms apply. Circle with letter I in it.

Earn up to 3.80% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.70% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
4.15%
Rate info Circle with letter I in it. Earn a guaranteed 4.15% APY for 90 days. After that, your savings keep growing at a competitive standard rate — currently 3.97% APY (subject to change). No minimum account balance required. Deposit or withdraw at any time with no additional fees. See product terms for complete details.
Min. to earn: $1
Earn up to $1,200 when you sign up and fund your account using code SUMMER26.¹
4.00% APY with $250+ in monthly deposits
Rate info Circle with letter I in it. *LevelUp Rate of 4.00% APY applied to full balance with $250+ in deposits in Evaluation Period. Otherwise, accounts earn Standard Rate of 3.00% APY. LevelUp Rate applies to first two statement cycles. Rates variable & subject to change at any time. See terms: https://www.happen.com/legal/deposits/levelup-savings-t-and-cs
Min. to earn:
N/A
Open Account for Happen Bank LevelUp Savings

On Happen Bank's Secure Website.

Disclaimers

¹New customers only. Earn a cash bonus (the "Base Bonus") when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive a Base Bonus of $50 for depositing between $10,000 and $24,999; $125 for depositing between $25,000 and $49,999; $250 for depositing between $50,000 and $99,999; $500 for depositing between $100,000 and $199,999; and $1,000 for depositing $200,000 or more.

Customers may earn an additional bonus by setting up a recurring deposit within 14 days of their initial deposit (the “Recurring Deposit Bonus”). To qualify, the recurring deposit must be established within 14 days of the initial deposit date and it must execute at least two (2) times within 90-days of the initial deposit. Recurring Deposit Bonus eligibility is determined by your Base Bonus tier:

  • Customers depositing between $10,000–$24,999 with aggregate recurring deposits of $100 or greater receive a $10 bonus
  • Customers depositing between $25,000–$49,999 with aggregate recurring deposits of $250 or greater receive a $25 bonus
  • Customers depositing between $50,000–$99,999 with aggregate recurring deposits of $500 or greater receive a $50 bonus
  • Customers depositing between $100,000–$199,999 with aggregate recurring deposits of $1,000 or greater receive a $100 bonus
  • Customers depositing between $200,000+ with aggregate recurring deposits of $2,000 or greater receive a $200 bonus

Customers are eligible to earn the Recurring Deposit Bonus associated with their Base Bonus tier or any lower Recurring Deposit Bonus tier. For example, a customer with an initial deposit of $200,000 (qualifying for the highest Base Bonus tier) whose aggregate recurring deposits total $500, is eligible for the lower tier and will receive the $50 Recurring Deposit Bonus. However, setting up a recurring deposit greater than your Base Bonus tier's required threshold will not qualify you for a higher Recurring Deposit Bonus.

The Recurring Deposit Bonus is paid in addition to the Base Bonus. To qualify for the Base Bonus and Recurring Deposit Bonus, your first deposit must be initiated between June 1, 2026, and August 31, 2026, by 11:59 PM ET, and the promo code SUMMER26 must be entered at the time of sign-up. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days will be eligible for the Base Bonus. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms. This offer is available to new customers only and may not be combined with any other bonus offers. Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service.

https://www.happen.com/legal/deposits/levelup-savings-t-and-cs

Who will benefit from Capital One 360 Performance Savings?

In my opinion, Capital One 360 Performance Savings is best suited for:

  • People who prefer in-person support: Branches and Capital One Cafes are available if you prefer face-to-face service.
  • Mobile-first users: The well-designed app makes it easy to track savings goals and manage accounts.
  • Customers looking for all-in-one banking: Seamless integration with Capital One's checking, credit cards, and CDs makes it convenient to keep all accounts in one place.
  • Anyone who values brand trust: Capital One offers a feeling of safety and reliability that smaller online banks may lack.

Got about 5 minutes? That's all the time it takes to open an account. Open a Capital One 360 Performance Savings account today.

FAQs

  • The account currently offers a competitive APY of 3.00%, but rates may change over time.

  • No. There are no monthly maintenance fees or minimum balance requirements.

  • Not with an ATM card. You'll need to transfer funds to a Capital One 360 Checking account or an external checking account.

  • Yes. Capital One operates physical branches and Capital One Cafes in select areas for easy access.