Capital One vs SoFi Bank
Head-to-head comparison of Capital One 360 Performance Savings and SoFi Checking and Savings, updated daily.
SoFi Bank currently wins on APY: 4.00% vs 3.20%
| Feature | Capital OneLive | SoFi BankLive |
|---|---|---|
| APY | 3.20% | 4.00%★ |
| Min opening deposit | $0 | $0 |
| Min balance for APY | $0 | $0 |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | monthly | daily |
| ATM access | Yes | Yes |
| Check writing | No | No |
| Mobile app | Yes | Yes |
| Editor rating | 4.0 / 5 | 4.7 / 5★ |
Capital One verdict
Capital One is one of the few HYSAs from a major bank with physical branch presence. You pay for that physical access in the form of a slightly lower APY — about 50-70bps less than the leaders. Reasonable choice for users who want the option of in-person service.
Read full Capital One review →SoFi Bank verdict
SoFi remains one of our highest-rated picks for everyday savers in April 2026. The headline APY is gated behind a recurring direct deposit requirement, but for anyone who can route their paycheck through SoFi, it is one of the best risk-adjusted yields available from a fully insured U.S. institution. The bundled checking-and-savings product means you get a high APY without needing to maintain a separate account elsewhere.
Read full SoFi Bank review →