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.