Alliant Credit Union vs Capital One
Head-to-head comparison of Alliant High-Rate Savings and Capital One 360 Performance Savings, updated daily.
Capital One currently wins on APY: 3.20% vs 3.10%
| Feature | Alliant Credit UnionUpdated 1d ago | Capital OneLive |
|---|---|---|
| APY | 3.10% | 3.20%★ |
| Min opening deposit | $5 | $0★ |
| Min balance for APY | $100 | $0★ |
| Monthly fee | $0.00 | $0.00 |
| Insurance | NCUA | FDIC |
| Compounding | monthly | monthly |
| ATM access | Yes | Yes |
| Check writing | No | No |
| Mobile app | Yes | Yes |
| Editor rating | 3.4 / 5 | 4.0 / 5★ |
Alliant Credit Union verdict
Alliant is included on this list as the credit union benchmark, not because the rate is competitive (it is not — about 150bps below the leaders). Choose Alliant only if you specifically want the credit union ownership model and the ATM network access.
Read full Alliant Credit Union review →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 →