{"account":{"slug":"capital-one-360-performance-savings","bank":"Capital One","name":"360 Performance Savings"},"status":"recent","lastVerified":"2026-11-02","officialSource":"https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/","history":[{"date":"2026-09-01","apy":"3.00% on all balances","monthlyFee":"$0","minimumOpen":"None","atm":"No direct ATM access on savings","note":"Prior canonical snapshot before direct first-party API evidence was attached"},{"date":"2026-09-04","apy":"3.00% on all balances","monthlyFee":"$0","minimumOpen":"None","atm":"No direct ATM access on savings; transfer to checking for ATM withdrawals","note":"Capital One's product page rendered a broken NaN placeholder, while its first-party deposits API returned six active balance tiers at 3.00% APY, effective June 2, 2026","sourceUrl":"https://api.capitalone.com/deposits/products/~/search","sourceLabel":"Capital One deposits product rates API"},{"date":"2026-10-05","apy":"3.10% on all balances","monthlyFee":"$0","minimumOpen":"None","atm":"No direct ATM access on savings; transfer to checking for ATM withdrawals","note":"Historical third-party snapshot; the earlier attribution to a Federal Reserve decision was not substantiated and was removed on October 23","sourceLabel":"Aggregated rate trackers (multiple independent listings agreeing on 3.10% effective ~October 3, 2026)"},{"date":"2026-10-23","apy":"3.20% on all balances","monthlyFee":"$0","minimumOpen":"No stated minimum; $0.01 funding completes opening","atm":"No direct ATM withdrawal from savings; transfer to checking first","note":"Public deposits API: product 3800, Frontbook, six active standard-rate tiers at 3.20% APY, effective October 21. Variable rate.","sourceUrl":"https://api.capitalone.com/deposits/products/~/search","sourceLabel":"Capital One public deposits product rates API"},{"date":"2026-11-02","apy":"3.20% on all balances","monthlyFee":"$0","minimumOpen":"No stated minimum; $0.01 funding completes opening","atm":"No direct ATM withdrawal from savings; transfer to checking first","note":"Freshness-rotation reconfirmation: Capital One's product page lists 3.20% APY effective November 1, 2026. No change.","sourceUrl":"https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/","sourceLabel":"Capital One 360 Performance Savings page, checked November 2, 2026"}],"verificationEvents":[{"id":"078a808c-ebef-4bf1-8889-7b045f1b630c","entityType":"bank-account","slug":"capital-one-360-performance-savings","checkedAt":"2026-10-23T06:20:14.241Z","recordedAt":"2026-10-23T06:20:14.242Z","sourceUrl":"https://www.ally.com/bank/online-savings-account/","sourceLabel":"Ally Savings comparison evidence","outcome":"changed","summary":"Capital One versus Ally comparison: Ally displayed 3.10% as of October 22, verified October 23; buckets, round-ups and no monthly maintenance fee confirmed. No unrelated Ally account refresh claimed.","changedFields":[],"previousHash":"9354ae0cf8b60ea2f05090607a6d0e3ca9e378f79e2d0a3d36d6517708030c97","recordHash":"a0ea3483fdd1316e298c2d34e44d0550f15b2b36607900bdde097b88c3f5421a"},{"id":"9308769b-0394-4756-814a-3384d9f9bb3b","entityType":"bank-account","slug":"capital-one-360-performance-savings","checkedAt":"2026-10-23T06:20:14.173Z","recordedAt":"2026-10-23T06:20:14.173Z","sourceUrl":"https://www.capitalone.com/bank/disclosures/savings-accounts/online-savings-account/","sourceLabel":"Legacy 360 Savings disclosures","outcome":"changed","summary":"Separate legacy product disclosure. Current legacy numeric APY not verified; removed automatic recommendation to open and move funds.","changedFields":[],"previousHash":"1e8694b38ec8ef4da43430996e57b3bbc56542867ac8b0aedc00eaafde5bbf48","recordHash":"9354ae0cf8b60ea2f05090607a6d0e3ca9e378f79e2d0a3d36d6517708030c97"},{"id":"e1ca2ea9-ec38-4bbf-8b5d-6007934be265","entityType":"bank-account","slug":"capital-one-360-performance-savings","checkedAt":"2026-10-23T06:20:14.104Z","recordedAt":"2026-10-23T06:20:14.105Z","sourceUrl":"https://www.capitalone.com/bank/fdic/","sourceLabel":"Capital One FDIC coverage","outcome":"changed","summary":"Coverage aggregates eligible deposits at the same bank within the same ownership category; no blanket per-account or joint-account doubling assertion.","changedFields":[],"previousHash":"6814070abbe28b15b4cc277a549d839c2847d815daf47130c402ff66bcc6483c","recordHash":"1e8694b38ec8ef4da43430996e57b3bbc56542867ac8b0aedc00eaafde5bbf48"},{"id":"33fdcca4-7005-4269-9511-3db6c4358865","entityType":"bank-account","slug":"capital-one-360-performance-savings","checkedAt":"2026-10-23T06:20:14.033Z","recordedAt":"2026-10-23T06:20:14.034Z","sourceUrl":"https://www.capitalone.com/help-center/checking-savings/transfer-times/","sourceLabel":"Capital One transfer times","outcome":"confirmed","summary":"Internal transfers instant; outbound transfers generally one to three business days; distinguish posting from availability.","changedFields":[],"previousHash":"7a48771f3da7028c46ab158f5487013e5e8f0700c16c6eecc4328f20c5d4c0a2","recordHash":"6814070abbe28b15b4cc277a549d839c2847d815daf47130c402ff66bcc6483c"},{"id":"04d3d67a-a6dc-44b8-8ed8-9b78f5585a9c","entityType":"bank-account","slug":"capital-one-360-performance-savings","checkedAt":"2026-10-23T06:20:13.968Z","recordedAt":"2026-10-23T06:20:13.969Z","sourceUrl":"https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/features/","sourceLabel":"Performance Savings features","outcome":"confirmed","summary":"Cash-in-store restrictions and possible service fees apply.","changedFields":[],"previousHash":"ad233b77e5383817938d37da3f1c1ec9076df45dcfbff58bccabf00cfdb38ab7","recordHash":"7a48771f3da7028c46ab158f5487013e5e8f0700c16c6eecc4328f20c5d4c0a2"},{"id":"a5d69a8d-6354-46cb-bdf3-b9ae4adae0f5","entityType":"bank-account","slug":"capital-one-360-performance-savings","checkedAt":"2026-10-23T06:20:13.900Z","recordedAt":"2026-10-23T06:20:13.901Z","sourceUrl":"https://www.capitalone.com/bank/location-types/","sourceLabel":"Capital One banking locations","outcome":"changed","summary":"Performance Savings eligible for Add Cash in Store. Branches and Cafes provide different service options.","changedFields":[],"previousHash":"e7bec7e2f5fdcbd94583676509330ab748909082ec8d3b31058a12b2742b697e","recordHash":"ad233b77e5383817938d37da3f1c1ec9076df45dcfbff58bccabf00cfdb38ab7"},{"id":"2e8059ab-6733-4bb5-8a22-1b1e740a73a8","entityType":"bank-account","slug":"capital-one-360-performance-savings","checkedAt":"2026-10-23T06:20:13.833Z","recordedAt":"2026-10-23T06:20:13.833Z","sourceUrl":"https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/","sourceLabel":"Performance Savings product page","outcome":"confirmed","summary":"No monthly maintenance charge or minimum APY balance; fund within 60 days; no direct savings ATM withdrawals. Rendered APY placeholder unavailable; numeric rate verified separately through public API.","changedFields":[],"previousHash":"a553aec3407b1e2afb949810319d2d2f3b924aa22c664eb9fac77ed55b5401d1","recordHash":"e7bec7e2f5fdcbd94583676509330ab748909082ec8d3b31058a12b2742b697e"},{"id":"793a7e2d-7193-4bdb-a1ec-2826b0643399","entityType":"bank-account","slug":"capital-one-360-performance-savings","checkedAt":"2026-10-23T06:20:13.765Z","recordedAt":"2026-10-23T06:20:13.766Z","sourceUrl":"https://www.capitalone.com/bank/disclosures/savings-accounts/online-performance-savings-account/","sourceLabel":"Performance Savings disclosures","outcome":"changed","summary":"Corrected service fees, penny funding requirement and monthly interest compounding; removed blanket fee-free claims.","changedFields":[],"previousHash":"146bc975723e0efd0ae0aa20645bd1e75f1d3765e0f2476cc21169bf900c5aea","recordHash":"a553aec3407b1e2afb949810319d2d2f3b924aa22c664eb9fac77ed55b5401d1"},{"id":"2f378434-534f-43c0-ab24-e2652aef5805","entityType":"bank-account","slug":"capital-one-360-performance-savings","checkedAt":"2026-10-23T06:20:13.628Z","recordedAt":"2026-10-23T06:20:13.629Z","sourceUrl":"https://api.capitalone.com/deposits/products/~/search","sourceLabel":"Public deposits API","outcome":"changed","summary":"Product 3800 Frontbook: all six active standard-rate tiers show 3.20% APY, effective October 21, 2026; checked October 23. Variable rate.","changedFields":[],"previousHash":"2facbd8f0aed7ae45a9002ee0ae059eda67bae53c48d0e9ce9c2ec490b956829","recordHash":"a5c21049ed357528c5d03e7b0b44320de90852fe32f077820ebad313baa0d4f1"},{"id":"edcff425-2dbd-4359-b893-56c36706c01f","entityType":"bank-account","slug":"capital-one-360-performance-savings","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T01:36:46.595Z","sourceUrl":"https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/","sourceLabel":"Capital One 360 Performance Savings page","outcome":"unavailable","summary":"Official page rendered NaN APY on September 4; current account terms are now withheld even though the prior successful check was recent","changedFields":["publicationStatus"],"facts":{"renderedApy":null,"publicationStatus":"source-unavailable"},"previousHash":"2caa2907b39487c2bbbeca55fbac25797658f816d61afe3e06be78ce63cc0286","recordHash":"75f385dcbe181dd91f63be623b1e876fcc89b28e1cdd1650c8e5a45b048aca59"},{"id":"3661be83-42fb-4c3e-a6b4-6eba881a4d95","entityType":"bank-account","slug":"capital-one-360-performance-savings","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T02:11:23.754Z","sourceUrl":"https://api.capitalone.com/deposits/products/~/search","sourceLabel":"Capital One deposits product rates API","outcome":"changed","summary":"First-party API resolved the broken public-page APY placeholder and returned six active tiers at 3.00% APY","changedFields":["apy","termHistory","lastVerified","publicationStatus","bonusSlug"],"facts":{"apy":"3.00%","balanceTiers":6,"rateEffective":"2026-06-02","pagePlaceholder":"NaN"},"previousHash":"2db03a15fa1f4f0c544db684574b669605f5cb5403dfc6262b2fe2bf499bd365","recordHash":"316eca4ba11763205fc215f9bd6e595de6172941fc69f99ef43b4a7b3c2a424b"},{"id":"24ad1297-c783-440f-8a40-f579650bc61c","entityType":"bank-account","slug":"capital-one-360-performance-savings","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T02:11:23.944Z","sourceUrl":"https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/","sourceLabel":"Capital One 360 Performance Savings page","outcome":"confirmed","summary":"Official page reconfirmed no monthly fee, no minimum, monthly interest crediting, and no direct ATM withdrawal access","changedFields":["sections","faqs","ourTake"],"facts":{"monthlyFee":"$0","minimumOpen":"None","directAtmAccess":false,"interestCrediting":"monthly"},"previousHash":"316eca4ba11763205fc215f9bd6e595de6172941fc69f99ef43b4a7b3c2a424b","recordHash":"9f7f7e7c9675a5da5c3d813f09590363180c6ee14f4f6b1fa35c42069c57db3a"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}