Capital One 360 Performance Savings: 3.60% APY Rate [Nationwide]

Capital One 360 Performance Savings is a very competitive online savings account option. See the current rate details below.

• Update 4/22/25: The rate has been updated. You can find much higher rates with the savings accounts listed here.
• Update 1/3/2025: The rate has decreased slightly.
• Update 12/3/2024: The rate decreased to 3.90% APY.
• Update 10/28/2024: Rate decreased slightly to 4.00% APY.
• Update 10/16/2024: Rate decreased slightly to 4.10% APY.
• Update 4/26/2024: Rate decreased slightly to 4.25% APY.
• Update 12/20/2023: Rate increased to 4.35% APY.
• Update 11/2/2023: Capital One 360 is offering up to $1,500 bonus for opening a new Capital One 360 Performance Savings account. Read about it here.
• Update 10/17/2023: Rate remains high at 4.30% APY
• Update 7/27/2023: Rate has increased to 4.30% APY.
• Update 6/25/2023: Rate has increased to 4.15% APY.
• Update 6/18/2023: Rate has increased to 4.10% APY.
• Update 6/11/2023: The rate has increased to 4.00% APY.
• Update 5/28/2023: The APY rate increased from 3.75% to 3.90%.
• Update 5/8/2023: The APY rate increased from 3.50% to 3.75%.
• Update 4/4/2023: The APY rate increased from 3.40% to 3.50%.
• Update 3/22/2023: The $1,000 bonus offer is back and is now valid through 5/10/2023.
• Update 2/3/2023: Capital One raised the APY rate on their savings rate from 3.30% to 3.40%.
• Update 12/27/2022: The $1,000 Savings offer has expired. The APY rate remains at 3.30%.
• Update 12/16/2022: The APY rate increased from 3.00% to 3.30%

Capital One 360 checking and savings accounts are the top online banking choices offered by a major, reputable bank.

See the offer below.

READ MORE: WELCOME OFFERS FROM CHASE AND BMO.

Capital One 360 Performance Savings Rate: 3.60% APY

The Capital One 360 Performance Savings account offers a competitive APY rate.

• Offer is available online, nationwide
• No monthly fees
• No minimum balance
• Access your accounts 24/7 online and on the mobile app.

>> SEE THE RATE HERE

[Expired] Capital One 360 Up To $1000 Savings Offer

• This offer ended. See below in the post history section to see active offers. For Fall 2023, you can earn up to $1500.

• What you’ll get: Up To $1000
• Where it’s available: Nationwide
• How to earn it:
  • Open a Capital One 360 Performance Savings account using promo code SPRING23 to earn one of these bonuses:
    • $100 bonus – The new money deposited from an external bank during the Initial Funding Period was between $10,000-$49,999.99, and you maintained that Deposit Amount for 90 days. 
    • $500 bonus – The new money deposited from an external bank during the Initial Funding Period was between $50,000-$99,999.99, and you maintained that Deposit Amount for 90 days. 
    • $1,000 bonus – The new money deposited from an external bank during the Initial Funding Period was more than $100,000, and you maintained that Deposit Amount for 90 days. 
  • You must deposit the required amount from externally sourced funds (transfers between Capital One accounts will not qualify) within the first 15 days of account opening (Initial Funding Period).
  • See the bonus in your new account within 60 days after holding.
• When it expires: 5/10/2023

>> OFFER LINK

READ MORE: GET THIS $200 BONUS OFFER FROM CHASE BEFORE IT ENDS

Monthly Fees

No monthly fees with the 360 Performance Savings account.

Terms

• Capital One reserves the right to withdraw this offer, with or without notice, in its sole discretion if it is determined that fraud or any other factor beyond its control is impacting the integrity of the offer and campaign.
• If you have or had an open 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account as a primary or secondary account holder with Capital One on or after January 1, 2019, you will be ineligible for the bonus.
• Certain deposit transactions initiated through the Capital One website to retrieve funds from your external account are subject to limits. If you are subject to these limits, in order to meet the offer requirements, you would need to initiate the deposit by another external method, such as mobile deposit or setting the initial deposit to send (rather than be retrieved from) from your external financial institution.
• Capital One will deposit the bonus into your account within 60 days after you have completed all the requirements above, including fulfilling the 90-day holding period.
• If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus.
• If at any time during the 90 days following the Initial Funding Period your Deposit Amount drops into a lower tier, you will be rewarded that tier’s cash bonus.
• If your Deposit Amount decreases to an amount less than $10,000, you will not qualify for a cash bonus.
• This offer cannot be combined with any other 360 Performance Savings account opening offers.
• Only one promotional code is accepted.
• Bonus is only valid for one new 360 Performance Savings account.
• Bonuses are considered interest and will be reported on IRS form 1099-INT.

READ MORE: SEE MORE OFFERS THAT DON’T REQUIRE DIRECT DEPOSIT

Post History – More from Capital One:

• Best Capital One 360 Bonuses, Promotions (Up To $1,500) of June 2025
• Earn Up To 4.00% APY: Capital One 360’s Best Online CD Account Offers (Available Nationwide)
• Capital One 360 Checking: Earn $300 with This Bank Bonus Offer
• Capital One 360 Performance Savings: Earn Up To $1,500 Bonus With Promo Code BONUS1500 [Nationwide]
• Capital One 360 Money Account Review: Checking Account For Ages 13 To 17

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.