VaultRubric's sourced facts on Capital One 360 Performance Savings (as of 2026-10-11): standard APY 3.1% (source), ranked #11 (tied) of 18 accounts with a numeric standard APY in our data; $0 minimum to earn APY; $0 monthly fee; deposits FDIC; Capital One, N.A. up to $250,000; overall score 90.8% with 100% data coverage. This is a facts summary, not a recommendation to open an account.
Data as of · Last updated · By VaultRubric Research · How we score · Not investment advice.
VaultRubric's sourced facts on Capital One 360 Performance Savings (as of 2026-10-11): standard APY 3.1% (source), ranked #11 (tied) of 18 accounts with a numeric standard APY in our data; $0 minimum to earn APY; $0 monthly fee; deposits FDIC; Capital One, N.A. up to $250,000; overall score 90.8% with 100% data coverage. This is a facts summary, not a recommendation to open an account.
This page answers “Is Capital One 360 Performance Savings a good savings account?” using only data/finance_seed.json and VaultRubric's scored comparison (equal weights), as of 2026-10-12. “Good” here means how Capital One 360 compares on sourced APY, fees, minimums, FDIC insurance and regulatory record — not personalized advice. Rates change; verify on the bank’s site.
| Fact | Value | As of / source |
|---|---|---|
| Official page | savings account ↗ | verified 2026-10-12 |
| Standard APY | 3.1% | 2026-10-11 · official |
| Min balance for APY | $0 | 2026-10-11 |
| Monthly fee | $0 | 2026-10-11 |
| Deposit insurance | FDIC; Capital One, N.A. (up to $250,000) | 2026-10-10 |
| Regulatory actions (5y) | 2 in the last 5 years on record, most recent 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 | 2026-10-03 |
| VaultRubric score | 90.8% (coverage 100%) | methodology |
Highest standard APY in our numeric set as of the dates on each row: EverBank at 4.2%. Capital One 360 is at 3.1% (#11 tied of 18). Full APY table: highest APY savings account.
Rates are variable. VaultRubric reports sourced facts and scores; it does not recommend opening or closing any account. Confirm APY, fees and terms on Capital One 360’s official page before acting.
Capital One 360 Performance Savings: 3.1% standard APY as of 2026-10-11 (#11 tied of 18 in our data), $0 minimum and $0 monthly fee in our data, deposits FDIC; Capital One, N.A. up to $250,000, VaultRubric score 90.8% (100% coverage), 2 regulatory action(s) on record in 5 years. Facts only — not a recommendation.
In our sourced data, Capital One 360’s standard APY is 3.1% as of 2026-10-11 (https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/). Rates change; verify on the bank’s site.
FDIC; Capital One, N.A., up to $250,000 per depositor per ownership category.
Capital One 360 scores 90.8% across high-yield savings options we track, with 100% data coverage (APY, minimums, fees, insurance, regulatory record). See /methodology and /compare/best-high-yield-savings-accounts.