Capital One 360 Performance Savings

The conditions, untangled.

Rate not confirmed. Check the provider for its current APY.

Other conditions to know

• Approved accounts need funding within 60 days.
• New Capital One and Discover accounts opened on or after May 18, 2025 share insurance coverage.
• The rate could not be confirmed from the official page; no estimate is shown.

Getting to your money.

Online or branch withdrawals; no direct ATM withdrawal from savings.

What could that look like for you?

Deposit insurance, in plain words.

The FDIC is a US government agency. If an insured bank fails, it protects deposits up to $250,000 per depositor, per insured bank, for each ownership category (for example, a single account or a joint account).

• The limit counts per bank, not per app or brand name. Money you already hold at Capital One, N.A. adds up with money in this account.
• Member FDIC, according to the bank's official page. Other deposits at the same bank can count toward your coverage limit.
• WalletNoodle is not a bank and is not an FDIC member. This is general information, not a check of your own coverage.

Good comparisons leave a paper trail.

Product facts come from the bank pages listed below. General deposit-insurance information comes from the FDIC link above. We checked them on Oct 11, 2026. The rate effective date is the bank’s own date, which can differ from the day we checked. Our summary and take are our own words; we have not opened or tested this account.

• Capital One account details (opens in a new tab) ↗Official provider information
• Capital One savings disclosures (opens in a new tab) ↗Official provider information