Capital One 360 Performance Savings Review

One rate on every balance, no monthly fee and no minimum, with Capital One branch and Café access.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked October 12, 2026.

Our verdict

360 Performance Savings pays one rate on every balance, 3.10% APY, with no monthly fee and no minimum, so there is no tier to outgrow and nothing to qualify for. That clean setup, and a bank with branches and Cafés behind it, earn the grade; the rate does not, because 3.10% is at the low end of the savings accounts we rank. There is no ATM access, so cash leaves through a branch or a transfer to a checking account.

Skip it if you want the highest savings rate available, or need to pull cash from an ATM.

About Capital One 360 Performance Savings

One rate on every balance, no monthly fee and no minimum, with Capital One branch and Café access. Capital One 360 Performance Savings is offered by Capital One, N.A. We could not find a published customer rating for it on Trustpilot or the Better Business Bureau, so none is shown.

Best for: Savers who want a no-fee account at a bank with branches.

Editorial grade: B+ (composite score 81/100).

Highlights

3.10% APY on every balance, variable (Capital One's product page lists it as effective 10/12/2026)
No monthly fee, and no minimum deposit or minimum balance to earn the APY
Cash comes out online or at a Capital One branch; there is no ATM access, so ATM withdrawals go through a checking account
Opens in about five minutes online, in the app or at a branch; after approval you have 60 days to fund it

What we like

One rate on every dollar: no balance tiers and nothing to qualify for
Branches and Cafés for in-person help, AutoSave for automatic transfers, and mobile check deposit
Sits beside 360 Checking and 360 CDs at the same bank, so one institution can hold all three
FDIC insured through Capital One, N.A.; deposit accounts opened on or after May 18, 2025 count with your other Capital One deposits toward the limit

Where it falls short

Pays less than the best online savings accounts we rank
No ATM access: to use an ATM you first transfer money to a checking account
The rate is variable and Capital One can change it at any time

Fees, minimums, and rates

Monthly fee: $0/month. Minimum to open: $0. Current APY: 3.10%. Rates and fees last checked on October 12, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Capital One, N.A.. It is built from Capital One, N.A.'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the High-Yield Savings shortlist. Our bank-account reviews weight APY (30%), fees (20%), access and convenience (15%), account features (15%), trust and safety (10%), and customer support (10%). The rubric is the same for every brand.

The bank behind this account

Capital One, FDIC certificate 4297: capital, loan quality, every office and the complaint record.

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Read our full editorial methodology for how we review products.