Capital One
Capital One 360 Performance Savings
By Alex Compton · Last verified
Savings interest with no monthly fee and options to deposit cash
Insurance: Up to $250,000 per depositor, per ownership category at Capital One, N.A.; eligible deposits are aggregated
Account Terms History
A dated record of APY, fees and opening requirements. New changes append to this table; prior terms remain visible.
| Observed | APY / yield | Monthly fee | Minimum | Evidence |
|---|---|---|---|---|
| 2026-11-02 | 3.20% on all balances | $0 | No stated minimum; $0.01 funding completes opening | Capital One 360 Performance Savings page, checked November 2, 2026 →Freshness-rotation reconfirmation: Capital One's product page lists 3.20% APY effective November 1, 2026. No change. |
| 2026-10-23 | 3.20% on all balances | $0 | No stated minimum; $0.01 funding completes opening | Capital One public deposits product rates API →Public deposits API: product 3800, Frontbook, six active standard-rate tiers at 3.20% APY, effective October 21. Variable rate. |
| 2026-10-05 | 3.10% on all balances | $0 | None | Archive record · no attached snapshotHistorical third-party snapshot; the earlier attribution to a Federal Reserve decision was not substantiated and was removed on October 23 |
| 2026-09-04 | 3.00% on all balances | $0 | None | Capital One deposits product rates API →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 |
| 2026-09-01 | 3.00% on all balances | $0 | None | Archive record · no attached snapshotPrior canonical snapshot before direct first-party API evidence was attached |
Primary-source verification log
Append-only evidence ledger- changed
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.
Ally Savings comparison evidence → - changed
Separate legacy product disclosure. Current legacy numeric APY not verified; removed automatic recommendation to open and move funds.
Legacy 360 Savings disclosures → - changed
Coverage aggregates eligible deposits at the same bank within the same ownership category; no blanket per-account or joint-account doubling assertion.
Capital One FDIC coverage → - confirmed
Internal transfers instant; outbound transfers generally one to three business days; distinguish posting from availability.
Capital One transfer times → - confirmed
Cash-in-store restrictions and possible service fees apply.
Performance Savings features → - changed
Performance Savings eligible for Add Cash in Store. Branches and Cafes provide different service options.
Capital One banking locations → - confirmed
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.
Performance Savings product page → - changed
Corrected service fees, penny funding requirement and monthly interest compounding; removed blanket fee-free claims.
Performance Savings disclosures → - changed
Product 3800 Frontbook: all six active standard-rate tiers show 3.20% APY, effective October 21, 2026; checked October 23. Variable rate.
Public deposits API → - unavailable
Official page rendered NaN APY on September 4; current account terms are now withheld even though the prior successful check was recent
Fields: publicationStatus
Capital One 360 Performance Savings page → - changed
First-party API resolved the broken public-page APY placeholder and returned six active tiers at 3.00% APY
Fields: apy, termHistory, lastVerified, publicationStatus, bonusSlug
Capital One deposits product rates API → - confirmed
Official page reconfirmed no monthly fee, no minimum, monthly interest crediting, and no direct ATM withdrawal access
Fields: sections, faqs, ourTake
Capital One 360 Performance Savings page →
Features
- ▸Same APY across all six published balance tiers
- ▸Interest calculated daily, compounded and credited monthly
- ▸No monthly maintenance fee or minimum balance for the APY
- ▸Add cash in participating stores through the app; eligibility, limits and possible service fees apply
- ▸Instant transfers between eligible Capital One accounts
Pros
- +No direct deposit requirement to earn the advertised APY
- +Cash deposit options alongside online transfers
- +No monthly maintenance charge
Cons
- −APY can change after opening
- −Some transaction services carry fees
- −External transfers and check deposits can be subject to holds
- −Nearby Cafés may not provide the same services as full-service branches
Our Take
Capital One suits savers who want straightforward interest and occasional cash deposits. Compare local access and transfer timing as well as yield. At a constant 3.20% APY, $10,000 would earn about $320 over a year before taxes, assuming no deposits or withdrawals. That is an illustration, not a guaranteed return.
Best for: Savers who want no monthly fee and cash deposit options
Open at Capital One →Last verified 2026-11-02
Current APY and interest
The public Capital One rate feed lists 3.20% APY for 360 Performance Savings, effective October 21, 2026. We checked all six active balance tiers on November 2. The rate is variable; APY already includes compounding.
No monthly fee, with some service charges
No monthly maintenance charge does not mean every service is free. The disclosure lists $30 for an outgoing domestic wire if Capital One agrees to process it and $10 for a cashier’s check purchased at a Capital One location. A foreign paying bank may also deduct a fee.
Cash deposits, branches and Cafés
360 Performance Savings is eligible for Add Cash in Store using the Capital One app at participating retailers. Check the app for availability and limits; service fees may apply. Branches provide full-service banking, while Cafés offer Ambassadors and self-service banking. Check the specific location before relying on a particular service.
Getting money out
Savings does not offer direct ATM withdrawals. Transfer available funds to checking for ATM access. Transfers between Capital One accounts are instant; outbound transfers to other banks generally take one to three business days. Posting and availability are different: incoming deposits may still be held.
Legacy 360 Savings and deposit coverage
360 Savings and 360 Performance Savings have separate disclosures. Existing customers should check their current APY and terms before changing accounts. The name alone does not establish a current rate gap. FDIC coverage applies across eligible deposits at the same bank and in the same ownership category, rather than resetting for each account.
Opening and funding
The product page says to fund within 60 days. Although there is no stated minimum opening deposit, the disclosure says the account is considered opened once funded with at least one cent. Review the eligibility and identification requirements before applying.
Frequently asked questions
What is the Capital One 360 Performance Savings APY?
3.20% across all published balance tiers, verified November 2, 2026 from Capital One’s public rate feed. The rate is variable.
Does 360 Performance Savings have a monthly fee or minimum?
There is no monthly maintenance fee or minimum balance to earn the APY. Fund with at least $0.01 to complete opening. Certain transaction services have fees.
Can I deposit cash into 360 Performance Savings?
Yes. It is eligible for Add Cash in Store through the Capital One app at participating retailers. Limits, availability and possible service fees apply. Check local branch services separately.
Can I withdraw from savings at an ATM?
Not directly. Transfer available savings funds to a checking account before using its ATM access.
Is 360 Performance Savings the same as legacy 360 Savings?
No. They have separate disclosures. Check the current rate and terms on your own account before deciding whether a change makes sense.
Is Capital One 360 Performance Savings FDIC insured?
Eligible deposits are insured up to $250,000 per depositor, per ownership category at Capital One, N.A. Other deposits in the same category at that bank count toward the limit.
How long do transfers from Capital One savings take?
Internal Capital One transfers are instant; outbound transfers to other banks generally take one to three business days. Deposit holds and transfer limits can affect access.
Head-to-Head Comparisons
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