Bank · FDIC insured
Capital One Savings Rates
Capital One’s best savings rate is 0.20% APY on $10,000, with its Confidence Savings. Rates checked October 22, 2026.
How Capital One’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Capital One
0.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $20
Confidence Savings
Top rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $600
Capital One savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Capital One ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Confidence Savings
0.20%APY
Must be a U.S. citizen or lawful permanent resident with a U.S. physical address (or military APO/FPO), at least 18 years old, and have a U.S.-based mobile phone.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Variable rate for daily collected balance range 0 - $9,999.99. No minimum deposit required to open; no minimum balance required to obtain APY. | 0.20% | — | Variable rate for daily collected balance range 0 - $9,999.99. No minimum deposit required to open; no minimum balance required to obtain APY. |
| $10,000 – $50,000Variable rate for daily collected balance range $10,000 - $49,999.99. No minimum deposit required to open; no minimum balance required to obtain APY. | 0.20% | $20 | Variable rate for daily collected balance range $10,000 - $49,999.99. No minimum deposit required to open; no minimum balance required to obtain APY. |
| $50,000 – $250,000Variable rate for daily collected balance range $50,000 - $249,999.99. No minimum deposit required to open; no minimum balance required to obtain APY. | 0.20% | — | Variable rate for daily collected balance range $50,000 - $249,999.99. No minimum deposit required to open; no minimum balance required to obtain APY. |
| $250,000 and upVariable rate for daily collected balance range $250,000 and greater. No minimum deposit required to open; no minimum balance required to obtain APY. | 0.20% | — | Variable rate for daily collected balance range $250,000 and greater. No minimum deposit required to open; no minimum balance required to obtain APY. |
Sources (1)
- capitalone.com/bank/disclosure…ounts/confidence-savings · captured Oct 22, 2026
Savings Now
0.10%APY
Must be a U.S. citizen or lawful permanent resident with a U.S. physical address (or military APO/FPO), at least 18 years old, and have a U.S.-based mobile phone. Paperless customer requirement: must agree to electronic delivery of disclosures/communications and maintain a valid email address.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Variable standard rate for daily collected balance range $0.01 - $9,999.99. No minimum balance required to obtain disclosed APY. | 0.10% | — | Variable standard rate for daily collected balance range $0.01 - $9,999.99. No minimum balance required to obtain disclosed APY. |
| $10,000 – $50,000Variable standard rate for daily collected balance range $10,000 - $49,999.99. No minimum balance required to obtain disclosed APY. | 0.10% | $10 | Variable standard rate for daily collected balance range $10,000 - $49,999.99. No minimum balance required to obtain disclosed APY. |
| $50,000 – $250,000Variable standard rate for daily collected balance range $50,000 - $249,999.99. No minimum balance required to obtain disclosed APY. | 0.10% | — | Variable standard rate for daily collected balance range $50,000 - $249,999.99. No minimum balance required to obtain disclosed APY. |
| $250,000 and upVariable standard rate for daily collected balance range $250,000 and greater. No minimum balance required to obtain disclosed APY. | 0.10% | — | Variable standard rate for daily collected balance range $250,000 and greater. No minimum balance required to obtain disclosed APY. |
Sources (1)
- capitalone.com/bank/disclosure…ngs-accounts/savings-now · captured Oct 22, 2026
Special-purpose accounts
Kids Savings Account
2.50%APY
Variable APY applies to all account balances. No monthly cycle service charge or maintenance fees and no minimum balance required to open or maintain. Compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA rate of 2.50% Annual Percentage Yield (APY) applies to all account balances. Variable and effective as of 10/22/2026.Any balance | 2.50% | $250 | A rate of 2.50% Annual Percentage Yield (APY) applies to all account balances. Variable and effective as of 10/22/2026. |
Sources (1)
- capitalone.com/bank/savings-ac…nts/kids-savings-account · captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.