Short answer: Discover's online savings product is discontinued in our sourced data (as of 2026-10-10). Discover's savings URL redirects to Capital One 360 Performance Savings. The live comparison people want is Capital One 360 vs Ally — On VaultRubric's equal-weight rubric, Ally scores higher (90.0% for Capital One 360, 95.0% for Ally).
Data as of · Last updated · By VaultRubric Research · How we score · Not investment advice.
Short answer: Discover's online savings product is discontinued in our sourced data (as of 2026-10-10). Discover's savings URL redirects to Capital One 360 Performance Savings. The live comparison people want is Capital One 360 vs Ally — On VaultRubric's equal-weight rubric, Ally scores higher (90.0% for Capital One 360, 95.0% for Ally).
People still search “Discover vs Ally” because Discover Bank was a popular high-yield savings brand. Per Discover's own savings page (as of 2026-10-10): n/a — product discontinued; redirects to Capital One 360 Performance Savings (see that entry). Official Discover savings page.
Rates change often — verify on Capital One's or Ally's site before opening an account. Every value below shows its as-of date. Not financial advice. Discover Online Savings is not scored as a live product.
| Fact | Our sourced record | As of / source |
|---|---|---|
| Product status | Discontinued; Discover savings URL redirects to Capital One 360 Performance Savings | discover.com · 2026-10-10 |
| APY / fees / minimums | not found for a live Discover HYSA — product marked discontinued in our dataset | src · 2026-10-10 |
Regulatory history is listed for honesty; Capital One's acquisition of Discover is a separate corporate event — we score Capital One 360 Performance Savings as the live HYSA product people land on from Discover's savings URL.
On VaultRubric's equal-weight rubric, Ally scores higher (90.0% for Capital One 360, 95.0% for Ally).
| Fact | Capital One 360 | Ally |
|---|---|---|
| APY (standard) | 3.1% src · 2026-10-12 | 3.1% src · 2026-10-12 |
| APY conditions | not found | not found |
| Promo (not scored) | not found | not found |
| Minimum to earn APY | $0 src · 2026-10-11 | $0 src · 2026-10-10 |
| Monthly fee | $0 src · 2026-10-11 | $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; Ally Bank (cert 57803 per third party) |
| FDIC cert | 4297 (Capital One, National Association) src · 2026-10-10 | 57803 (Ally Bank) 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 | none found in last 5 yrs src · 2026-10-10 |
| Official page | savings account ↗ | savings account ↗ |
On VaultRubric's equal-weight rubric, Ally scores higher (90.0% for Capital One 360, 95.0% for Ally).
Opens the tool with Capital One 360 and Ally filled in.
Facts-only answers: Is Capital One 360 a good savings account? · Is Ally a good savings account?
Discover Online Savings is discontinued in our sourced data and redirects to Capital One 360 Performance Savings. Compare Capital One 360 vs Ally instead: On VaultRubric's equal-weight rubric, Ally scores higher (90.0% for Capital One 360, 95.0% for Ally).
As of 2026-10-10, Discover's online savings page states the product is discontinued and redirects to Capital One 360 Performance Savings.
For a live HYSA rate/fee comparison, use Capital One 360 vs Ally. Discover Bank's past regulatory actions are listed on this page from FDIC sources.
Only from our curated dataset with fixed formulas. Discontinued products are not scored as live options. Not financial advice.