capital one high interest savings rate

But you might be able to get a higher interest rate than the one you've settled for. GE Capital Bank Online Savings Account. APY: 0.90%. Ideally, you would find one that offers a low or $0 minimum deposit. APY: Some high-yield savings accounts offer high interest rates — but. Its money market and high-yield savings accounts truly had the highest yields, and its CDs and checking accounts consistently topped.
capital one high interest savings rate

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MARCUS HIGH YIELD SAVINGS ACCOUNT - PROS, CONS, REVIEW

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9 Best High-Yield Savings Accounts in 2021

The savings offers that appear on this site are from companies from which MoneyCrashers.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MoneyCrashers.com does not include all savings companies or all savings offers available in the marketplace.

Right now, the U.S. national average interest rate on savings account balances is nowhere near enough to keep pace with inflation.

The good news is you can do better — a lot better — with one of the high-yield savings accounts featured here.

Best High-Yield Savings Accounts in 2021

We evaluated dozens of online banks, traditional banks, and credit unions to find the 9 best high-yield savings accounts available right now.

All of these accounts yield multiple times the national savings account average. They’ll help build your emergency savings fund faster and fight back against inflation.

Each also does one thing better than any of the others — whether that’s paying the best yield, delivering the highest new account bonus, or effortlessly automating the savings process.


Best Overall: GO2Bank

Go2bank Logo

As a GO2Bank account holder, you’ll earn up to 7% cash back on eGift Card purchases made in the app1.Amazon gift card purchases earn 3% cash back. 

Plus, earn 1% APY2 on savings up to $5,000 and get paid up to two days early with ASAP Direct Deposit.TM 3

This offer is available nationwide.

Additional features:

  • Avoid the $5 monthly fee with eligible direct deposit.

Learn More

1Active GO2bank account required to receive an eGift Card. eGift Card merchants subject to change.

2GO2bank, Member FDIC. Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. 1% Annual Percentage Yield (APY) as of January 2021. APY may change before or after you open an account. Fees on your primary deposit account may reduce earnings on your savings account.

3Direct deposit early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your GO2bank account exactly or we will decline your deposit.


Best for High Yield (APY): Citi® Accelerate Savings

Citibank National Association Logofilepath (2)

Your Citi® Accelerate Savings account earns up to 0.50% APY on all balances of at least $1 (in select markets). That’s 12 times the national savings account interest rate.1

Additional features:

  • Automate your savings with Citi’s Auto Save feature to build your emergency fund faster.
  • Get cash from more than 65,000 fee-free ATMs nationwide.
  • Link your Accelerate Savings account to a qualifying Citi checking account to earn ThankYou Rewards points redeemable for gift cards, cash, and more.

The Citi® Accelerate Savings account is available to customers in AA, AE, AL, AK, AZ, AR, AS, CO, DE, GA, GU, HI, ID, IN, IA, KS, KY, LA, ME, MA, MI, MN, MP, MO, MS, MT, NE, NH, NM, NC, ND, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WV, WI, WY, and select markets in Florida and Illinois.

1Rate is current as of October 07, 2021

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired or changed.


Best Account Opening Bonus: PNC Virtual Wallet

Open a new PNC Virtual Wallet by Dec. 31, 2021, and complete qualifying activities to earn up to $300

To earn the $300 bonus, simply open a new PNC Virtual Wallet with Performance Select and establish total qualifying direct deposit(s) of $5,000 or more to the Spend account.

Additional features:

  • Get 3 accounts in 1: Spend for day-to-day spending, Reserve for short-term savings bucket, Growth for longer-term savings

This offer is available in CA, TX, AZ, NM, CO, PA, FL, OH, WV, DE, NJ, SC, NC, GA, KY, IN, MI, IL, MD, DC, WV, and WI.


Best for Low Fees: Discover Bank Online Savings

Your Discover Bank Online Savings Account has no monthly maintenance fee or minimum balance requirement, ever. It also has no fees for excessive withdrawals, no overdraft or NSF fees, and no fees for bank checks.

Additional features:

  • Earn 0.40% APY on all eligible balances (rate current as of Oct. 8, 2021)

This offer is available nationwide.

Apply Now


Best Checking and Savings Combo: Aspiration Spend & Save Account 

Aspiration Logo

Use your combined Aspiration Spend & Save Account to seamlessly manage checking and savings balances. Plus, earn up to 5% cash back at Conscience Coalition merchants and up to 10% cash back after you upgrade to Aspiration Plus.

Additional features:

  • Earn up to 1.00% APY* on Save account balances after you upgrade to Aspiration Plus 
  • Spend at least $1,000 in cumulative debit card transactions within 60 days of opening your Aspiration Spend & Save Account to earn a $100 bonus (terms apply)

This offer is available nationwide.

Apply Now

* The Annual Percentage Yield (“APY”) associated with the Aspiration Spend & Save Account is available only to customers enrolled in Aspiration Plus. APY is variable and accurate as of [current date]. Rates may be changed from time to time without notice. To earn 1.00% APY interest on Aspiration Save Account balances up to and including $10,000.00 in any calendar month, customer must be enrolled in Aspiration Plus and spend $1,000 or more, monthly, with their Aspiration debit card. Balances over $10,000.00 will earn 0.10% APY. If the requirements are not met each month, the APY will be 0.25% on Save Account balances up to and including $10,000.00. Balances over $10,000.00 will earn 0.10% APY. Minimum deposit required to open an Aspiration Save Account is $10.00. Enrollment fee and Pay What Is Fair fees debited directly from the Aspiration Save Account could reduce earnings. Customers not enrolled in Aspiration Plus will not earn interest.  For more information, click here.


Best for Savings Automation: Chime

Chime Bank Account

Automate your savings in two different ways with Chime. First, automatically set aside 10% of every paycheck with When I Get Paid. Second, automatically round up debit card purchases to the nearest $1 and save the difference with Save When You Spend.

Additional features:

  • Earn 0.50% APY* on all eligible savings balances

This offer is available nationwide.

Apply Now

*The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of November 1, 2020. No minimum balance required. Must have $0.01 in savings to earn interest.

Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.


Best Mobile Experience: Capital One Performance Savings

Capital One’s powerful mobile app gives you near-total control over your Capital One Performance Savings account. Use it to make mobile check deposits anytime, set and track savings goals, set up an automated savings plan, make secure P2P transfers, and more.

Additional features:

  • Earn 0.40% APY on all eligible savings balances

This offer is available nationwide.

Learn More


Best for Tax-Advantaged Account Options (IRAs): Ally Bank Online Savings Account

You can structure your Ally Bank Online Savings Account as a traditional, Roth, or SEP IRA. Ally IRA balances earn the same great interest rate as regular savings balances (currently 0.50% APY).

Additional features:

  • Earn up to 0.25% APY on linked balances in your Ally Bank Interest Checking Account

This offer is available nationwide.

Learn More


Best Deposit Insurance Coverage: SoFi Money Cash Management Account

SoFi Review

Your SoFi Moneybalance is FDIC-insured up to $1.5 million. That’s 6 times the usual limit.

Additional features:

  • Get paid up to 2 days early with early direct deposit
  • Earn 0.25% APY on eligible account balances with qualifying direct deposit
  • Get cash fee-free at more than 55,000 Allpoint ATMs

This offer is available nationwide.

Apply Now


Best High-Yield Savings Account Alternatives

Don’t see what you came for yet? Consider our top 2 HYSA alternatives for people who want something a little different.

Best Rewards Checking Account: Discover Bank Cashback Debit Account

The Discover Bank Cashback Debit Account delivers 1% cash back on the first $3,000 in eligible debit card purchases each month. There’s no minimum balance or transaction requirement to earn cash back either.

Additional features:

  • No monthly maintenance fee
  • No hidden account fees
  • Freeze and unfreeze your account from the Discover mobile app

This offer is available nationwide.

Learn More


Best High-Yield Checking Account: Quontic High Interest Checking

Make 10 or more qualifying Quontic High Interest Checking debit card point-of-sale transactions valued at $10 or more in a statement cycle. You’ll earn:

  • 1.01% APY on balances up to $150,000
  • 0.35% APY on balances between $100,000.01 and $1,000,000

Additional features:

  • Pay no ATM fees at ATMs in the AllPoint®, MoneyPass®, and SUM® networks or at participating Citibank® ATMs

This offer is available nationwide.

Learn More


Methodology: How We Select the Best High-Yield Savings Accounts

We evaluate high-yield savings accounts on 8 key metrics that can make or break your experience as an account holder. For each metric, we select the account that surpasses all other competitors — giving you the confidence you need to choose the product that works best for you.

High Yield (High APY)

“What’s the interest rate?” is probably the first question you ask yourself when evaluating a savings account. A higher interest rate, or yield, means your money grows faster. When inflation runs hot, yield is your best defense against falling buying power.

Low Fees

Account fees are your enemy. The best high-yield savings accounts don’t charge monthly maintenance or minimum balance fees. They should have low or no overdraft fees and no fees for P2P transfers either.

Account Opening Bonus

It’s harder to find new account opening bonuses on savings accounts than checking accounts, but they’re around if you know where to look. See our list of the best new bank account promotions for alternatives to the standout PNC Virtual Wallet offer featured here.

Checking and Savings Combo

Many banks offer checking and savings accounts under the same roof, but only a few do both well. Our top pick, the Aspiration Spend & Save Account, promises a category-leading yield (1.00% APY when you upgrade to Aspiration Plus) and up to 10% cash back on select checking purchases.

Savings Automation

You have enough to worry about. Choose a bank that saves more of what you earn without waiting for your say-so. That might mean rounding up the change on debit card purchases, automatically setting aside a portion of each paycheck, using an algorithm to figure out how much you can safely save each week — or all of the above. 

Mobile Experience

Your bank’s mobile app should do everything its desktop banking portal does: accept mobile check deposits, execute (free) P2P funds transfers, pay your bills, manage your savings plan, and more. And it should look good on a small screen.

Tax-Advantaged Account Options

Many banks don’t bother to offer savings IRAs. Those that do help risk-averse savers preserve and grow their nest eggs. And the real standouts, like Ally Bank, offer the same great rates on tax-advantaged savings as they do on taxable savings.

Deposit Insurance Coverage

Deposit insurance protects your savings if your bank fails. (It’s rare, but it happens.) The standard limit for FDIC insurance is $250,000 per account type, per institution, but some banks go above and beyond. Standouts like SoFi Money offer $1 million or more in deposit insurance coverage.

Become a Savings Account Expert: Your HYSA Questions Answered

You have questions about high-yield savings accounts. We have answers. 

How Do High-Yield Savings Accounts Calculate Interest? (And What Is Compounding)

Your savings account’s yield — how much its balance grows each year — is a function of its interest rate and compounding frequency. 

You already know that a higher interest rate means faster growth. But what role does compounding frequency play?

Think of compounding as earning interest on interest. Compounding frequency describes how often your account adds the interest it’s earned to the original (principal) balance. The higher the compounding frequency, the longer each extra bit of interest has to earn interest on itself.

Don’t get too excited. In percentage terms, compounding frequency has a negligible impact on growth. And when interest rates are near zero, “negligible” is too generous. You have to squint to see the difference.

Here’s an illustration.

Imagine two seemingly identical savings accounts. Both earn 0.50% interest. The only difference: Account A compounds annually and Account B compounds daily.

You seed both accounts with $10,000 and make no further deposits. The interest rate remains level at 0.50%. By Year 10, how much bigger is Account B’s balance?

Account AAccount B
Year 1$10,050.00$10,050.12
Year 2$10,100.25$10,100.50
Year 5$10,252.51$10,253.15
Year 10$10,511.40$10,512.71

A whopping $1.31, that’s how much. After accounting for inflation, the difference is even smaller.

Can You Lose Funds Held in a High-Yield Savings Account?

Federal deposit insurance (FDIC coverage) protects savings balances held with member FDIC institutions up to at least $250,000. This protection kicks in if the member bank fails. 

Always, always, always make sure your bank is FDIC-insured. Otherwise, there’s no guarantee you’ll get your money back if it closes its doors.

FDIC insurance doesn’t cover everything that can go wrong at your bank. It might not reimburse you if your account is hacked and drained without your consent or if you fall victim to a financial scam. 

Do Banks Still Charge Excess Withdrawal Fees for High-Yield Savings Accounts?

Some banks continue to charge excess withdrawal fees. But a growing number of financial institutions — including several on this list — now choose to waive them.

That’s because of a long-overdue change to a Federal Reserve bylaw known as Regulation D (Reg D). For years, Reg D limited withdrawals or payments from savings and money market accounts to 6 per statement period. Banks and credit unions imposed steep fees for withdrawals in excess of this limit — often $10 or more per occurrence. Repeat offenders risked account closure.

In April 2020, the Federal Reserve announced that deposit institutions were no longer bound by the strict monthly withdrawal limit. But it didn’t require banks to make the change, so some still have excess withdrawal fees on their books.

Fun Facts About High-Yield Savings Accounts

  • The world’s first modern savings bank appeared in Brumath, France, in 1765. The first in the U.S., the awkwardly named Provident Institution for Savings in the Town of Boston, opened in 1816.
  • The average yield on a 3-month CD hit 18.6% APY in 1981. Today, the typical 3-month CD yields less than 0.5% APY. 
  • When the FDIC opened for business in 1934, it insured deposits up to $2,500. That’s about $51,000 in today’s dollars.
  • In the early 20th century, “Christmas club” accounts were popular with holiday savers. You’d make small deposits each week throughout the year, earning interest over time. Around Thanksgiving, the bank would unlock your funds — just in time for the holiday shopping season.

Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are the author’s alone, not those of the bank advertiser, and have not been reviewed, approved, or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

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Capital One 360 Performance Savings Review 2021

Thinking of opening a new savings account? Learn whether a Capital One 360 Performance Savings account is an option to consider for saving money online.

Our articles, research studies, tools, and reviews maintain strict editorial integrity; however, we may be compensated when you click on or are approved for offers from our partners.

Capital One Bank

Capital One is one of the largest banks in the U.S., serving customers across the country with FDIC-insured personal and business banking products, including credit cards and savings accounts.

The Capital One 360 Performance Savings account is a fee-free, online savings account that offers features and benefits, such as:

  • Interest on deposits
  • Competitive APY
  • No monthly maintenance or service fees
  • No minimum-balance fee
  • $0 opening-deposit requirement
  • $0 minimum-balance requirement
  • Online- and mobile-banking access
  • FDIC insurance, up to $250,000

Reading this review of the Capital One 360 Performance Savings account can help you understand what it has to offer if you’re looking for a new place to grow your savings.

Capital One 360 Performance Savings Interest Rates

Some online and brick-and-mortar banks pay tiered rates on savings accounts or other interest-bearing accounts. The higher your balance, the higher the annual percentage yield (APY) you can earn.

Capital One takes a different approach. Savers who open a 360 Performance Savings account earn the same APY across all balances.

Compared to what you may find at a traditional bank, that rate is well above the national average of 0.08%. In addition, Capital One appears frequently among the top banks for interest rates according to the America’s Best Rates Survey for consistently offering higher rates.

Comparing the APY is important before you open an account if earning the best interest rate possible is your goal. Keep in mind, however, that it’s just one thing to look for with a bank account. Low fees are another.

 

Monthly Capital One 360 Performance Savings Fees

Monthly fees can work against you as you pursue your savings goals.

Say you’re earning a small amount of interest each month – $5 as an example. At the same time, you’re paying a $10 monthly service fee.

It doesn’t require a math degree to understand that your savings account would be costing you money instead of helping your money grow.

The 360 Performance Savings account from Capital One allows you to avoid high fees. This account charges no:

  • Monthly service or maintenance fee
  • Minimum-balance fee
  • Hidden fees of any kind

That’s similar to what you’ll find with other high-yield savings accounts. Online banks tend to be better equipped to keep fees to a minimum, as they have lower operating costs than their brick-and-mortar competitors.

Monthly fees for savings accounts are more common at traditional banks. These fees often range from $5 to $10 per month.

The upside is that you may have ways to avoid the fee such as maintaining a minimum daily balance or scheduling a direct deposit into your account each month.

If you’d rather not deal with those kinds of hassles, then the Capital One 360 Performance Savings account or another online savings account can help meet that need.

Does Capital One 360 Performance Savings Have Other Fees?

While the 360 Performance Savings account is mostly fee-free, there are a couple of fees to know about.

Wire transfer fees

First, Capital One charges a $30 fee for outgoing domestic wire transfers from your account. Unless you’re frequently transferring money from savings to another bank, this fee is likely to be less common for you.

Statement copy fees

The next fee to know is a $5 statement copy fee if you require paper copies of any statements for the previous two years. You can easily avoid this fee by logging in to your account online and downloading statements to print.

Fees other banks may charge

Capital One doesn’t charge fees for depositing foreign checks into your account. But you should know that the paying bank may charge a fee to process the check payment.

You may be curious about excessive withdrawal fees. These fees can apply when you make more than six withdrawals or transfers from your account per month. (This doesn’t include withdrawals made in person at a Capital One location, via ATM, by mail or messenger.)

The good news is, Capital One doesn’t charge an excess withdrawal fee. But, the bank can close your account or transfer it into another account that’s not subject to excess-withdrawal limits.

In other words, if you make a habit of using your savings account like a checking account, Capital One could change it to a checking account.

Capital One 360 Performance Savings Features and Benefits

This account has a couple of additional features to know about, including:

  • Automatic savings plans
  • Free account transfers
  • Top-rated mobile app

Automatic savings plans

Having a savings goal to work toward is a motivator to stick with your plan. Capital One makes that easier with automated savings.

You can establish a savings target with the online My Savings Goals tool. Then, you create an automatic transfer from another linked bank account to your savings account according to your preferred schedule.

It’s a simple way to grow your savings on autopilot. The My Savings Goal tool helps you keep track of your progress as you save.

Free account transfers

There are multiple ways to add money to your account, including free bank-to-bank transfers. You can link a checking or savings account at Capital One or another bank to your 360 Performance Savings account to move money quickly and conveniently.

Other ways to add money to your account include:

  • Direct deposit from your paycheck
  • Mobile check deposit through the Capital One app
  • Wire transfer

You can make withdrawals using an online transfer or wire transfer. These accounts don’t offer a debit card or ATM card. For that, you’ll need to open a Capital One checking account.

Top-rated mobile app

Capital One’s mobile app allows you to stay connected to your savings account where you are. You can use the mobile app to:

  • Check your balance
  • Open a new savings account
  • Set up or change your automatic savings plan
  • View your savings goals
  • Deposit money to your account using mobile check deposit

Are There Other Ways to Save with Capital One?

Yes, there are. Capital One also offers certificates of deposit for savers.

Capital One CD Rates

Capital One offers several CD accounts for savers. High-yield CD accounts feature terms of 12, 24 and 60 months.

There is no minimum balance required to open one of these CDs and they’re all FDIC-insured. Additional CD terms are available ranging from 6 months to 48 months if you’re interested in building a CD ladder.

Capital One does charge a penalty for withdrawing money from a CD before its maturity date. For 12-month CD accounts or less, the penalty is 3 months’ worth of interest. For longer CD terms, the penalty is 6 months of interest.

You can also open an IRA CD with Capital One. IRA CDs are designed for retirement savings.

You can open a traditional or Roth IRA CD, with $0 to start. Both accounts earn interest, with a competitive APY depending on the CD term. Terms range from 6 to 60 months.

How Do I Set Up a Capital One 360 Savings Account?

You can open a savings account (or CD) with Capital One online. You can speed up the process a little if you already have a Capital One credit card, loan or bank account.

If you’re brand new to Capital One, you’ll need to offer some key information to get started. That includes:

  • Your name
  • Address
  • Social security number
  • Bank-account details for funding your account
  • Preferred minimum-opening deposit

Remember, you can open a 360 Performance Savings account with $0 and fund it later if necessary. There’s no penalty for doing so.

You can open a joint account with someone else or an individual account. If you’re opening a joint account, they’ll need to enter their name, address and social security number details as well.

The process takes just a few minutes to complete. Once your account is open, Capital One will give you your account and routing number to start making deposits or set up an automatic savings transfer.

Is a Capital One 360 Performance Savings Account Right for You?

The 360 Performance Savings account could be a good option if you want a fee-free way to save money with interest. If you already have credit cards or a checking account at Capital One, opening an account can allow you to keep all your finances in one place.

On the other hand, if getting the best rate on savings matters to you, consider looking into Capital One’s CD accounts instead. They also carry no fees and can yield a better APY. Just keep in mind and consider how long you’ll need to lock your money into a CD to get a great rate.

The other option is to look at online savings accounts elsewhere. There are banks that can offer zero fees and better interest rates on savings, so it’s important to consider every option.

About Author

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Rebecca Lake

Rebecca Lake joins MoneyRates as a contributor writing about banking, credit and debt, home-buying, investing, small business, and other personal finance topics. Rebecca brings her expertise as a personal-finance journalist to MoneyRates.com, having written about money for over five years. Her work has appeared online at U.S. News and World Report, Life + Money by Citi, CreditCards.com and Bankrate.

Источник: https://www.moneyrates.com/reviews/capital-one-360-savings-account-review.htm

BECU Savings

Members who open a savings account can expect the same great features we offer with our checking accounts – no monthly maintenance fees, no minimum balance requirements, and more.

Savings Account Features1

All our Savings Accounts are federally insured up to $250,000 and come with a free savings ATM card.

Member Advantage Savings1

Member Share Savings2

  • Standard savings account, available with or without Checking.

Youth Savings6

  • Premium Rate on first $5002 

Applying Online is not currently available for Youth Savings Accounts. Please consider making an appointment before stopping by one of our neighborhood financial centers to apply in person.

You will need to bring the child you want associated with the account and both adult and child social security numbers.

Qualification for Member Advantage Savings

To get even higher rates on CDs, IRAs, and Money Market accounts, plus the first $500 in your savings account, enroll in free Member Advantage. After opening your Member Share Savings account, qualify for Member Advantage with these three steps:

  1. Sign up to receive monthly eStatements; and
  2. Make at least one free electronic transaction per month7
  3. Have both a BECU checking and savings account

Why BECU

When it comes to finances, we're all in it together. BECU is member-owned credit union, not a bank, and we're here to make our members' lives easier by saving them money. That's why we offer our members free or low-cost services and competitive rates on loans and credit cards.

By establishing membership with us, you'll get these membership benefits and more.

Источник: https://www.becu.org/everyday-banking/Savings

Capital One 360 Performance Savings Account Review

Capital One 360 Performance Savings Account WebsiteCapital One 360 Performance Savings Account

Having savings in the bank can be a lifesaver when you wind up in a financial bind.

When you’ve got savings to fall back on, you’re less likely to have to take out a loan or turn to a high-interest credit card to pay for an out-of-the-blue expense.

If you’ve got some money stashed away in savings, the big question is where you should put it.

The Capital One 360 Performance Savings Account could be a good fit if you’re looking for an online saving account with a competitive interest rate.

Capital One has over 800 branches in the U.S., including 10 cafe-style locations for the Capital One 360 brand, and 2,000 ATMs so you’ve got plenty of options for accessing your savings.

The Capital One Savings Account comes with plenty of features.

Here’s a quick rundown of the key details:

  • Earn interest on your savings
  • No monthly fee
  • No minimum required to open an account
  • No monthly minimum balance required
  • Schedule automatic savings transfers
  • Open up to 25 separate savings accounts
  • Deposit checks from your mobile device
  • Use mobile banking to manage your account
  • Set up direct deposit to easily add to your savings
  • Link your savings account to your Capital One checking account for optional overdraft protection

As you can see, there are a lot of perks that go along with opening a Capital One 360 Performance Savings Account.

In this savings account review, we'll compare rates, fees, and services to other national and online banks.

Earning Interest With Your Capital One 360 Performance Savings Account

The 360 Performance Savings Account offers a competitive interest rate on savings. You always earn the same flat rate, regardless of how high or low your balance is.

That’s important to know if you’re looking for a savings option with tiered interest rates instead. Interest is compounded and credited to your account on a monthly basis.

Capital One 360 Performance Savings Account Pros & Cons

ProsCons
  • Subaccounts allowed
  • No monthly maintenance fee
  • No excess withdrawal fee
  • Mobile apps available
  • No ATM withdrawals (including from Capital One ATMs)

Tip: Check out MyBankTracker’s APY calculator to see how much interest your savings could earn.

This Account doesn’t require a minimum deposit to open an account. Ally also steers clear of charging monthly maintenance fees on savings.

If you already have a checking or credit card account with Capital One, however, you might be more inclined to keep your savings there too, even if it means earning a slightly lower interest rate.

Comparing the Monthly Fee

One of the great things about choosing an online savings account is that they typically come with minimal fees.

The Capital One 360 Performance Savings Account is no exception. There’s no monthly maintenance fee to worry about. That’s not always the case with standard savings accounts.

Capital One 360 Savings Account Fees

TypeFee
Monthly Maintenance Fee$0
Stop payment fee$25
Outgoing domestic wire transfer$30

Take the Chase Savings Account, for example. This account charges a $5 monthly service fee unless you’re able to meet certain requirements. The fee increases to $20 for the Chase Plus Savings Account.

Bank of America’s Regular Savings Account also comes with a $5 fee.

There are ways to avoid the fee but they involve maintaining a minimum balance or making a certain number of transfers from your checking to savings each month.

The Capital One 360 Performance Savings Account doesn’t require you to do any of that. You can keep $50 or $50,000 in your account and you still won’t pay a fee.

You can set up a Capital One checking account and link it to your savings or keep your checking at a completely different bank. Either way, your savings won’t be nickel-and-dimed by a monthly fee.

Does the Account Charge Any Other Fees?

While there’s no monthly service fee, there are a couple of other fees that you need to know about. Generally, don't expect to encounter these fees on a regular basis.

First, there’s the wire transfer fee. If you set up an outgoing domestic wire transfer from your account, Capital One will charge you $30 per wire. This fee is deducted directly from your savings.

The other fee to be aware of is the statement copy fee. If you need a copy of one of your statements from the previous two years, you’ll pay $5 per copy if Capital One generates the statement for you.

An easy way to avoid the fee is to manage your account online and download statements yourself in PDF form.

One thing you won’t have to pay a fee for is an overdraft. If you’ve got a Capital One checking account, you can link it to your savings for overdraft protection.

If you overdraft your checking account, Capital One automatically transfers money over from your savings to cover it without charging a fee.

Depositing Funds to Your Account

When you need to add money to your Capital One 360 Performance Savings Account you’ve got a few ways to do it.

For example, you can make cash and check deposits at a Capital One branch or a Capital One 360 cafe location. You can also deposit cash and checks at a Capital One ATM.

If you’re not near a branch, cafe or ATM, you can deposit checks right from your phone. To use a mobile check deposit, you have to download the Capital One 360 mobile app.

You log in to your account, click on the ‘Deposit’ icon, snap a picture of the check and you’re done. Just remember that if you’re depositing checks through your phone or tablet, it may take a little longer for those deposits to clear your account.

As mentioned earlier, a direct deposit is another option for adding money to your savings.

To set up a direct deposit, you’ll need to share your Capital One 360 Performance Savings Account number and Capital One’s routing number with your employer.

You can choose to have some or all of your paycheck deposited directly into your savings account.

Finally, you can make deposits by linking your savings account to an external account at a different bank.

To set up an external account, sign in to your Capital One 360 account and click ‘Add Link’. You’ll have to answer some security questions and provide the details for the account you want to add.

Capital One will then make two small deposits into this external account. To verify your account, you’ll have to log in to Capital One and click on the ‘External Accounts’ tab and provide the amounts of those deposits.

Once your external account is confirmed, you’re all set to make transfers into or out of your Capital One 360 Performance Savings Account.

Build Your Savings Automatically

Getting ahead financially isn’t always easy. Sometimes you need a little help to hit your target.

The Automatic Savings Plan makes saving virtually stress-free.

To use this tool, you simply tell Capital One how much you’d like to save and how often you’d like money transferred into your Capital One 360 Performance Savings Account.

Capital One handles the hard part of moving money between your accounts automatically.

It takes less than a minute to set up an Automatic Savings Plan and you can stop or change your plan at any time.

That’s an appealing benefit if you’ve struggled with saving in the past and you’re ready to start building up your cash reserves.

Compared to Other Online Savings Accounts

There are many online banks that battle with Capital One when it comes to high-yield savings rates. These other online savings accounts may also have similar fee-friendly policies:

Ally Bank Online Savings Account

Ally Bank is one of the more popular online banks with a savings rate that is higher than that offered by Capital One 360.

It also allows customers to create multiple accounts for free and they can be nicknamed for specific financial goals.

Synchrony Bank High-Yield Savings

Synchrony Bank offers a market-leading interest rate on its online savings account.

Additionally, you can get an optional ATM card for easy cash withdrawals. However, the online bank doesn't yet have a dedicated mobile banking app.

Final Verdict: For High-Yield Savings With a Touch of Branch Banking

The Capital One 360 Performance Savings Account is a good choice if you want to earn a better APY on your savings than what your local bank might be offering but you don’t want to get bogged down by a ton of fees.

One thing you have to consider, however, is the convenience factor.

If you don’t live near a Capital One branch, cafe or ATM, for example, would you be comfortable using mobile deposit or linking an outside account to add money to your savings?

If you need to tap the funds quickly, are you okay with potentially paying a foreign ATM fee to withdraw cash?

If you’re considering a Capital One 360 Performance Savings Account, be sure to check out the rates other banks are offering.

While you’re at it, scope out the minimum balance requirements and monthly fees. Other banks have higher savings rates.

Continue Reading

Источник: https://www.mybanktracker.com

Best Savings Accounts of 2021: High Yields and Low Fees

Banking / Savings Account

In the era of online banking, competition among savings accounts has become fierce. Many banks offer free savings accounts that come with a host of features, including high interest rates. To help consumers sort through the countless available options, GOBankingRates identified the Best Savings Accounts of 2021 based on the following factors:

  • Minimum deposit to open the savings account
  • Monthly maintenance fee on the account
  • Minimum balance required to avoid a fee
  • Annual percentage yield

Here are GOBankingRates’ Best Savings Accounts of 2021:

Best Savings Accounts of 2021

Learn More About Each Savings Account

Generally speaking, savings accounts don’t offer as many features as checking accounts, which makes it easier to choose the best ones. The ideal savings account will have no fees, no minimums and a high APY. Each of the accounts below excels in these areas, so you should be able to find a good option here no matter what you’re looking for. Many of the banks are perennial winners and holdovers from the last year’s GOBankingRates Best Savings Accounts list. Read on for a more detailed overview of each account so you can decide which one suits you best.

Axos Bank: Best Savings Account

Why we like it:Its High Yield Savings account stands out for its 0.81% APY with no monthly fees and no minimum balance requirements.

Benefits

  • Free ATM card
  • Low $250 minimum deposit to open an account
  • No maintenance fees
  • No minimum balance requirements to earn interest
  • Interest compounded daily

Drawbacks

Savings Account

High Yield Savings

Minimum Deposit

$250

Monthly Fee

$0

Minimum Balance to Avoid Fee

$0

Minimum to Earn Interest

$0.01

APY

0.81%
READ OUR FULL REVIEW

Citizens Access: Online Savings

Why we like it:With absolutely no fees and an ultra-high yield of 0.60%, Citizens is a great choice for those with $5,000 or more to deposit.

Benefits

  • No fees for anything
  • Easily transfer funds online, set up direct deposit or deposit checks by phone or mail
  • No minimum balance

Drawbacks

  • Can take 2 to 3 business days to transfer funds
  • $5,000 minimum deposit to open an account

Savings Account

Online Savings

Minimum Deposit

$5,000

Monthly Fee

$0

Minimum Balance to Avoid

$0

Minimum to Earn Interest

$5,000

APY

0.60%
READ OUR FULL REVIEW

Synchrony Bank: High Yield Savings

Why we like it:Synchrony Bank offers one of the highest yields available for a savings account with no fees and not requiring a minimum deposit.

Benefits

  • Easy withdrawals via ATM, online or by phone
  • No fees
  • No minimum balance requirements
  • 24/7 online and mobile banking
  • Ultra-high APY for a savings account

Drawbacks

  • Subject to closure if account balance remains at $0 for more than 60 days

Savings Account

High Yield Savings

Minimum Deposit

$0

Monthly Fee

$0

Minimum Balance to Avoid

$0

Minimum to Earn Interest

$0.01

APY

0.65%
READ OUR FULL REVIEW

Marcus by Goldman Sachs: Online Savings

Why we like it:Goldman Sachs is one of the most well-known names in banking, and its consumer division Marcus offers a user-friendly, no-fee, high-interest savings account.

Benefits

  • Backed by an industry-leading Wall Street firm
  • Easy to link other bank accounts online for incoming and outgoing transfers
  • One of the best savings account rates available
  • No fees

Drawbacks

Savings Account

Online Savings

Minimum Deposit

$0

Monthly Fee

$0

Minimum Balance to Avoid Fee

$0

Minimum to Earn Interest

$0.01

APY

0.50%
READ OUR FULL REVIEW

Wells Fargo Bank: Way2Save Savings

Why we like it:Set up automatic savings when you link a Wells Fargo checking account to your Way2Save savings, and enjoy multiple ways to waive the low monthly service fee.

Benefits

  • Waive the $5 monthly fee with a $300 minimum daily balance or an automatic, recurring deposit
  • Only $25 minimum deposit to open an account
  • Access more than 13,000 Wells Fargo ATMs nationwide
  • Get a free ATM card and/or link to your current Wells Fargo debit or ATM card

Drawbacks

Savings Account

Way2Save Savings

Minimum Deposit

$25

Monthly Fee

$5

Minimum Balance to Avoid Fee

$300

Minimum to Earn Interest

$0.01

APY

0.01%
READ OUR FULL REVIEW

Capital One: 360 Performance Savings

Why we like it:The Capital One 360 Performance Savings account is a great example of an easy-to-use, high-yield account with no fees or minimums.

Benefits

  • High APY
  • Top-rated mobile app with 24/7 account access
  • Digital savings tools, including automatic transfers
  • Mobile check deposit
  • No minimums to open or maintain

Drawbacks

  • No mail deposits available

Savings Account

360 Performance Savings

Minimum Deposit

$0

Monthly Fee

$0

Minimum Balance to Avoid Fee

$0

Minimum to Earn Interest

$0.01

APY

0.50%
READ OUR FULL REVIEW

Ally Bank: Online Savings

Why we like it:Ally is a perennial winner when it comes to its online savings account, boasting 24/7 customer service with a live person, no fees and high yields.

Benefits

  • No monthly fees
  • No minimum balance requirements
  • 24/7 customer service with a live person
  • Free official/cashier’s checks
  • 0.60% APY

Drawbacks

Savings Account

Online Savings

Minimum Deposit

$0

Monthly Fee

$0

Minimum Balance to Avoid Fee

$0

Minimum to Earn Interest

$0.01

APY

0.60%
READ OUR FULL REVIEW

JPMorgan Chase Bank: Chase Savings

Why we like it:Chase Bank is a renowned name in the industry, with a robust mobile app, mobile deposits and an APY of 0.01%.

Benefits

  • Access to more than 4,700 branches and 16,000 Chase ATMs nationwide
  • Low monthly fees
  • A number of ways to waive fees easily
  • Robust banking app
  • Mobile deposits

Drawbacks

  • You can find higher APYs elsewhere

Savings Account

Chase Savings

Minimum Deposit

$25

Monthly Fee

$5

Minimum Balance to Avoid Fee

$300

Minimum to Earn Interest

$0.01

APY

0.01%
READ OUR FULL REVIEW

Betterment: Cash Reserve

Why we like it:Betterment bank’s Cash Reserve account is a no-fee, high-yield account that offers no limits or fees on withdrawals.

Benefits

  • Place your savings into “buckets” for special occasions or to build your emergency reserves
  • Earn more than the national average APY
  • Money is FDIC-insured for up to $1 million

Drawbacks

  • Withdrawals can take 1 to 2 business days
  • Only available to customers of Betterment, LLC

Savings Account

Cash Reserve

Minimum Deposit

$10

Monthly Fee

$0

Minimum Balance to Avoid Fee

$0

Minimum to Earn Interest

$0.01

APY

040%
READ OUR FULL REVIEW

FNBO Direct: Online Savings

Why we like it:A free account with a high interest rate is what most online savers seek. FNBO Direct provides that with a 0.60% APY in a secure account, requiring just $1 to open.

Benefits

  • First-class online security
  • Easy way to send and receive funds via PopMoney
  • No monthly maintenance fees
  • No minimum balance requirement

Drawbacks

  • $1 minimum to open an account

Savings Account

Online Savings

Minimum Deposit

$1

Monthly Fee

$0

Minimum Balance to Avoid Fee

$0

Minimum to Earn Interest

$0.01

APY

0.60%
READ OUR FULL REVIEW

American Express® High Yield Savings Account

Why we like it:One of the most respected global financial services firms, American Express National Bank, Member FDIC offers a savings account no monthly fees with one of the best yields available.

Benefits

  • Firm known for worldwide assistance and customer support
  • 24/7 online access
  • Direct deposit available
  • Can link to accounts at other institutions
  • No monthly fees

Drawbacks

  • No complimentary online checking account

Savings Account

High Yield Savings

Minimum Deposit

$0

Monthly Fee

$0

Minimum Balance to Avoid Fee

$0

Minimum to Earn Interest

$0.01

APY

0.40%
READ OUR FULL REVIEW

Barclays Bank Delaware: Online Savings

Why we like it:Barclays Bank makes our list again with a high 0.60% APY, no minimum balances and no maintenance fees.

Benefits

  • Online transfers
  • Secure, 24/7 access
  • No maintenance fees
  • No minimum balance requirements

Drawbacks

Savings Account

Online Savings

Minimum Deposit

$0

Monthly Fee

$0

Minimum Balance to Avoid Fee

$0

Minimum to Earn Interest

$0.01

APY

0.60%
READ OUR FULL REVIEW

Comenity Bank: High Yield Savings

Why we like it:Enjoy a high APY of 0.60% with no monthly maintenance fees and just a $100 deposit to open the account.

Benefits

  • No monthly fees
  • No minimum balance requirements
  • Ultra-high APY
  • Mobile deposits and online banking

Drawbacks

  • $100 opening deposit
  • Fees for outgoing wire transfers, official checks and paper statements

Savings Account

High Yield Savings

Minimum Deposit

$100

Monthly Fee

$0

Minimum Balance to Avoid Fee

$0

Minimum to Earn Interest

$0.01

APY

0.60%
READ OUR FULL REVIEW

Discover Bank: Online Savings

Why we like it:In addition to no minimum deposit or fees, the Discover Bank Online Savings account offers a generous APY of 0.60%.

Benefits

  • No monthly fees
  • No minimum balance requirement
  • No charges for official checks or incoming wire transfers
  • No overdraft fee
  • 24/7 customer service

Drawbacks

  • If you exceed 6 withdrawals per month, Discover may refuse the transactions and/or close the account

Savings Account

Online Savings

Minimum Deposit

$0

Monthly Fee

$0

Minimum Balance to Avoid Fee

$0

Minimum to Earn Interest

$0.01

APY

0.60%
READ OUR FULL REVIEW

Sallie Mae Bank: High Yield Savings

Why we like it:Sallie Mae Bank made its way onto our list by virtue of its no-fee, no-minimum, high-yield savings account that delivers an APY of 0.55%.

Benefits

  • No monthly fees
  • No minimum balance requirement
  • Easy online account management

Drawbacks

  • No 24-hour live customer service

Savings Account

High Yield Savings

Minimum Deposit

$0

Monthly Fee

$0

Minimum Balance to Avoid Fee

$0

Minimum to Earn Interest

$0.01

APY

0.55%
READ OUR FULL REVIEW

TIAA Bank: Basic Savings

Why we like it:This “basic” savings account is anything but basic, with an ultra-high yield 0.50% APY and $25 opening deposit.

Benefits

  • No monthly fee with $25 minimum daily balance
  • High APY
  • Mobile check deposit
  • Deposit funds via mail, mobile deposit or online transfer

Drawbacks

Savings Account

Basic Savings

Minimum Deposit

$25

Monthly Fee

$5

Minimum Balance to Avoid Fee

$25

Minimum to Earn Interest

$0.01

APY

0.50%
READ OUR FULL REVIEW

NBKC Bank: Everything Account

Why we like it:NBKC keeps it simple with an “Everything Account” that functions as both a checking and savings account, with a generous 0.80% APY and no minimum balance required.

Benefits

  • No fees, including maintenance, overdraft or foreign transactions
  • No minimum deposit or minimum balance to avoid fees
  • Access to more than 34,000 MoneyPass ATMs nationwide
  • Get reimbursed up to $12 monthly on out-of-network ATM fees
  • Free online bill pay

Drawbacks

Savings Account

Everything Account

Minimum Deposit

$0

Monthly Fee

$0

Minimum Balance to Avoid Fee

$0

Minimum to Earn Interest

$0.01

APY

0.80%
READ OUR FULL REVIEW

First Internet Bank: Free Savings

Why we like it:No monthly maintenance fees, and a $25 minimum deposit to open your account put First Internet Bank Free Savings on our list of best savings accounts for 2021.

Benefits

  • No monthly maintenance fees
  • Only $25 minimum deposit to open an account
  • Up to $10 in ATM surcharges refunded per month

Drawbacks

  • $3 charge for paper statements
  • Limit of 6 withdrawals per month before $5 fee is imposed

Savings Account

Free Savings

Minimum Deposit

$25

Monthly Fee

$0

Minimum Balance to Avoid Fee

$0

Minimum to Earn Interest

$0.01

APY

0.35%
READ OUR FULL REVIEW

EmigrantDirect: American Dream Savings

Why we like it:Affiliated with Emigrant Bank — in business since 1850 — this ultra-high yield online savings account has no fees and can be linked to any personal checking account.

Benefits

  • No minimum deposit required
  • Link to any checking account
  • High 0.50% APY

Drawbacks

  • Must be 18 or older and have a personal checking account to open a savings account

Savings Account

American Dream Savings

Minimum Deposit

$0

Monthly Fee

$0

Minimum Balance to Avoid Fee

$0

Minimum to Earn Interest

$0.01

APY

0.50%
READ OUR FULL REVIEW

MySavingsDirect: High Interest Savings

Why we like it:MySavingsDirect High Interest Savings account checks all the boxes for an easy-to-use, high-yield and online-only savings account.

Benefits

  • Extremely high APY
  • No fees or account minimums
  • User-friendly banking and budgeting features
  • No overdraft fee

Drawbacks

  • Must be 18 or older and have a personal checking account to open a savings account

Savings Account

High Interest Savings

Minimum Deposit

$0

Monthly Fee

$0

Minimum Balance to Avoid Fee

$0

Minimum to Earn Interest

$0.01

APY

0.50%
READ OUR FULL REVIEW

Tips for Choosing the Best Savings Account

A savings account is usually a simple parking place for money that’s being accumulated toward a goal, such as an emergency fund or a vacation. As such, savings accounts don’t necessarily need all of the bells and whistles that other accounts might offer. What you should really look for in a savings account is security, a high yield, no fees and easy access to your funds.

Since most savings accounts have the same Federal Deposit Insurance Corp. insurance and many charge no fees, the deciding factor might come down to two simple acronyms: APY and ATM. You’ll want an account with a high APY, and you’ll also want an account that doesn’t charge fees to access your funds at an ATM. It’s up to you to decide which of these is a priority, but they are not mutually exclusive. Many of the accounts on this list offer both high yields and no ATM fees, so your search might be shorter than you think.

Savings Accounts vs. Money Market Accounts

Savings accounts and money market accounts are both places to hold your money, but they serve different purposes and typically offer different terms.

Money market accounts are generally designed to be more accessible, and they often come with check-writing capabilities. Money market accounts also typically pay higher yields than savings accounts but might require higher minimum balances. Savings accounts are for customers who may not require frequent access to their funds but want to earn the highest yields available, preferably in a no-fee wrapper.

Take a look at some of the pros and cons of online savings accounts:

Advantages of a Savings Account 

  • Access to cash via ATMs: Some savings accounts offer you access to your cash anywhere in the world via an ATM network.
  • Access to online and mobile banking: The vast majority of modern savings accounts offer the ability to check your account information via your smartphone or the web.
  • FDIC insurance: Savings accounts are insured by the FDIC for up to $250,000 per covered bank.

Disadvantages of a Savings Account

  • Not particularly liquid: Although you can usually access your savings account via an ATM, certain savings account transactions — including pre-authorized, automatic, check or debit card transactions — are limited to six withdrawals per month by federal law.
  • Accounts generally have some type of fees: Most modern online savings accounts don’t charge monthly maintenance fees, but that doesn’t mean they’re completely free of fees. Most still have fees for certain transactions, such as wire transfers, overdrafts or out-of-network ATM transactions.
  • ATM withdrawal limitations: If you’re withdrawing money from your savings account at an ATM, you may only be able to access a few hundred dollars per day, depending on the rules of your particular bank. If you’re banking at an online-only institution, you won’t even be able to go into a branch to take out additional funds.
  • May have minimum balance requirements to avoid monthly fees: Although there are many banks that offer free savings accounts, they might come with restrictions. You may need to maintain a certain minimum balance to keep your account “free” — or even keep your account open at all.

How Much Do Americans Have in Savings?

A GOBankingRates survey revealed that a high percentage of Americans don’t have any money in their savings accounts. About 50% of women and 30% of men from the survey claimed they have $0 in savings. Although people might see the disadvantages to savings accounts, it’s important to keep the long-term benefits in mind when they need to put money aside for an emergency or a major purchase.

Summary

Because consumers’ needs, budgets, and incomes vary so dramatically, no one bank account will meet the needs of every customer. Fortunately, today’s banks provide plenty of options to choose from. Decide on the banking features most important to you, and you’ll narrow down your choices to find the best savings account for you right now. While interest rates in the United States are currently among the lowest in the world, you can still find plenty of good, safe yields from the accounts on the list above, mostly for little or no cost.

More From GOBankingRates

Methodology: To discover the Best Savings accounts, GOBankingRates looked at the top institutions in terms of total assets size that had available published data. To determine rankings GOBankingRates looked at the following factors: (1) total assets as sourced from the FDIC; (2) number of branch locations as sourced from the FDIC; (3) minimum deposit to open an account; (4) monthly fees associated with the account; (5) minimum balance needed to avoid the fee; (6) minimum balance needed in account to earn APY; (7) savings APY; and (8) the average mobile app rating between the android and apple stores. All factors were then scored and combined, with the lowest score being best. Factors (1) and (6) were weighed 1.5 times, factor (2) was weighted 2 times, and factor (7) was weighted 4 times. For all Savings and Checking Account data only the basic accounts/products offered at each institution was analyzed. All data is up to date as of November 4, 2020, rates and fees subject to change.

John Csiszarcontributed to the reporting for this article.

Editorial Note: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

About the Author

Dawn Allcot is a full-time freelance writer and content marketing specialist who geeks out about finance, e-commerce, technology, and real estate. Her lengthy list of publishing credits include Bankrate, Lending Tree, and Chase Bank. She is the founder and owner of GeekTravelGuide.net, a travel, technology, and entertainment website. She lives on Long Island, New York, with a veritable menagerie that includes 2 cats, a rambunctious kitten, and three lizards of varying sizes and personalities – plus her two kids and husband. Find her on Twitter, @DawnAllcot.

Источник: https://www.gobankingrates.com/banking/savings-account/best-savings-accounts/
capital one high interest savings rate