Capital One vs. Otus: savings rates compared
360 Performance Savings pays 3.10% APY. Otus pays 6.00% today. Starting with $25,000 and adding $100 a month, that's $61,003 versus $47,941 after 10 years.
Capital One
360 Performance Savings
3.10%
APY · checked Oct 3, 2026
Otus
Guardian, average of the top 10 vaults
6.00%
APY today · live from our vaults
+2.90 pts vs. Capital One
What your money would grow to
Added at the end of every month, at your bank and at Otus.
Capital One in 10 years
Otus in 10 years
more with Otus
Otus
You put in
Extra
- Otus · 6.00%
- Capital One · 3.10%
- What you put in:
Side by side
| Feature | Capital One | Otus |
|---|---|---|
| APY | 3.10% | 6.00%Average of the top 10 Guardian vaults today |
| Account | 360 Performance Savings | Otus Guardian: onchain lending vaults, rebalanced automatically |
| FDIC insurance | Yes | No |
| Rate checked | Oct 3, 2026 · Capital One's site | Live · Transparency page |
Questions
Does Otus pay more than Capital One?
Today, yes: 6.00% APY at Otus versus 3.10% at Capital One. Starting with $25,000 and adding $100 a month, that's about $13,062 more after 10 years if both rates held, and they won't: rates change.
Is Otus a bank?
No. Otus isn't a bank and isn't FDIC-insured. 360 Performance Savings is FDIC-insured.
Where does the 6.00% come from?
It's today's average APY across the top 10 Otus Guardian vaults, the same number we publish on our Transparency page. It moves with the vaults.
What does Otus cost?
Otus Guardian is $5/month flat, no percentage of assets. You can start with $10, and there are no lock-ups, no exit fees and no waiting periods. The estimates on this page don't subtract the $5/month.
How current is Capital One's rate?
We last checked it on Oct 3, 2026. Capital One can change it at any time, so confirm on their site before you move money.
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Wells Fargo vs. OtusCapital One's rate was last checked Oct 3, 2026 and may have changed since; see Capital One's site for today's rate. The Otus rate (6.00%) is today's average APY across the top 10 Otus Guardian vaults, the same number on our Transparency page. Rates vary and aren't guaranteed. Estimates compound monthly, with deposits added at the end of each month, and assume today's rates hold for the whole period, which they won't. They don't subtract the Otus Guardian fee of $5/month. Otus isn't a bank and isn't FDIC-insured.
Try it with just $10
Keep Capital One for your bills and let a small amount show you the difference.
