VaultRubric
Capital One 360 vs Marcus
Capital One 360 and Marcus are both popular high-yield savings accounts. Here are the sourced facts side by side, then VaultRubric's equal-weight score with the math shown. Every value links to its source with an as-of date; anything we couldn't verify says not found.
Rates change often — verify on the bank's or broker's site before opening an account. Every value shows its as-of date; ⚑ marks figures from third-party sites. Not financial advice.
Run your own comparison →Opens the tool with these platforms filled in, so you can change the weights.
Key facts compared
| Fact | Capital One 360 | Marcus |
|---|---|---|
| APY (standard) | 3.1% src · 2026-10-10 | 3.5% src · 2026-10-10 |
| APY conditions | not found | not found |
| Promo (not scored) | not found | not found |
| Minimum to earn APY | $0 src · 2026-10-08 | $0 src · 2026-10-10 |
| Monthly fee | $0 src · 2026-10-08 | $0 src · 2026-10-10 |
| Deposit insurance | Up to $250,000 src · 2026-10-10 FDIC; Capital One, N.A. | Up to $250,000 src · 2026-10-10 FDIC; Goldman Sachs Bank USA, Salt Lake City Branch (cert 33124 per third party) |
| FDIC cert | 4297 (Capital One, National Association) src · 2026-10-10 | 33124 (Goldman Sachs Bank USA) src · 2026-10-10 |
| Regulatory actions (5 yrs) | 2025-01-14 CFPB: CFPB sued over 360 Savings vs 360 Performance Savings rates; voluntarily dismissed with prejudice 2025-02-27 src 2026-04-20 Court (class action): $425M class settlement final approval; appeal pending (4th Cir. 26-1807); 360 Savings rate matched to Performance Savings eff. 2026-08-04 src | 2024-10-23 CFPB: Goldman Sachs Bank USA consent order (Apple Card): $45M penalty + ≥$19.8M redress; order terminated 2025-09-22 src |
VaultRubric verdict
VaultRubric pick: Marcus by Goldman Sachs
⚠ Marcus by Goldman Sachs: Regulatory: CFPB: Goldman Sachs Bank USA consent order (Apple Card): $45M penalty + ≥$19.8M redress; order terminated 2025-09-22 (2024-10-23)
⚠ Capital One 360 Performance Savings: Regulatory: CFPB: CFPB sued over 360 Savings vs 360 Performance Savings rates; voluntarily dismissed with prejudice 2025-02-27 (2025-01-14)
⚠ Capital One 360 Performance Savings: Regulatory: Court (class action): $425M class settlement final approval; appeal pending (4th Cir. 26-1807); 360 Savings rate matched to Performance Savings eff. 2026-08-04 (2026-04-20)
| Criterion (weight) | Marcus by Goldman Sachs | Capital One 360 Performance Savings |
|---|---|---|
| APY (standard rate) (17%) | 10.0/10 | 8.9/10 |
| Minimum to earn APY (17%) | 10.0/10 | 10.0/10 |
| Fees (17%) | 10.0/10 | 10.0/10 |
| Deposit insurance (17%) | 9.0/10 | 9.0/10 |
| Regulatory record (17%) | 8.0/10 | 9.0/10 |
| Access (ATM/app/support) (17%) | 8.0/10 | 6.0/10 |
| Overall | 91.7% coverage 100% | 88.2% coverage 100% |
Show math: Marcus by Goldman Sachs
0.167×10.0 + 0.167×10.0 + 0.167×10.0 + 0.167×9.0 + 0.167×8.0 + 0.167×8.0 = 9.17; ÷ covered weight 1.000 = 9.17/10 → 91.7%Show math: Capital One 360 Performance Savings
0.167×8.9 + 0.167×10.0 + 0.167×10.0 + 0.167×9.0 + 0.167×9.0 + 0.167×6.0 = 8.82; ÷ covered weight 1.000 = 8.82/10 → 88.2%Opens the tool with these platforms filled in, so you can change the weights.
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FAQ
Is Capital One 360 or Marcus better?
On VaultRubric's equal-weight rubric, Marcus scores higher (88.2% for Capital One 360, 91.7% for Marcus). Change the weights in the tool to match your priorities.
Which pays more, Capital One 360 or Marcus?
Standard APY in our data: Capital One 360 3.1% (as of 2026-10-10), Marcus 3.5% (as of 2026-10-10). Rates are variable; check each bank's site.
Has Capital One 360 faced regulatory action recently?
Our data lists: 2025-01-14 CFPB: CFPB sued over 360 Savings vs 360 Performance Savings rates; voluntarily dismissed with prejudice 2025-02-27; 2026-04-20 Court (class action): $425M class settlement final approval; appeal pending (4th Cir. 26-1807); 360 Savings rate matched to Performance Savings eff. 2026-08-04.
Has Marcus faced regulatory action recently?
Our data lists: 2024-10-23 CFPB: Goldman Sachs Bank USA consent order (Apple Card): $45M penalty + ≥$19.8M redress; order terminated 2025-09-22.
How does VaultRubric score these?
Only from our curated dataset (official pages, regulators, and flagged third-party sites), with fixed formulas shown in “Show math”. No AI or live scraping, so the same comparison always gives the same result. Not financial advice.