Wealthy PotCapital One 360 Performance Savings Review (2026)
Capital One 360 Performance Savings is a solid no-minimum HYSA from a big bank, with the rare bonus of some physical presence. Savers chasing the absolute top rate can do better online-only.
By Wealthy Pot · Last updated September 2026
Pros
- No minimum and no fees
- Backed by a major bank with Cafés and branches
- Good mobile app
- Easy pairing with 360 Checking
Cons
- APY trails online-only leaders
- The savings account has no ATM access
- Fewer tools than Ally
Who Capital One 360 Performance Savings is for
Best for savers who want a big-bank HYSA with no minimum and occasional in-person access, and who do not need the very highest APY.
APY, minimums & fees
Capital One 360 Performance Savings advertises 3.00% APY, with a $0 minimum to open and a $0 monthly fee. Minimum balance to earn the top rate: $0. FDIC-insured. APYs are variable. Confirm the current rate on the official site.
The bottom line
Capital One 360 Performance Savings is a solid no-minimum HYSA from a big bank, with the rare bonus of some physical presence. Savers chasing the absolute top rate can do better online-only. Main drawback: the savings account itself has no atm access; apy trails online-only leaders.
Compare Capital One 360 Performance Savings with…
See how Capital One 360 Performance Savings stacks up in our high-yield savings comparison, or find a banking app in our neobanks comparison.
We summarize hands-on assessment, not user reviews. APYs are variable and re-checked against Capital One 360 Performance Savings's official page. Some accounts are brokerage cash insured through partner banks rather than traditional bank savings. Some outbound links may be affiliate links. That never affects which accounts we include or how we rate them. Nothing here is financial advice.