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TIAA Bank vs Capital One

TIAA Bank is an online bank offering high intro rates if you have a large deposit. How does it compare to Capital One? Read our comparison chart below.

TIAA Bank promises to deliver a yield in the top 5% of competitive accounts for their Yield Pledge accounts. Checking, savings, and CDs all require a minimum of $5,000. High introductory APY for the first year, but on-going APY drops. All accounts have no monthly service fees.

While Capital One offers competitive rates on their savings account. Their interest checking has several overdraft options in cases of accidental overdraw. There are no minimum deposits or service fees.

Compare TIAA Bank with Capital One, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 

TIAA Bank

Capital One

SPECIAL OFFER
Yield Pledge Checking - Learn More

Read TIAA Bank Review

SPECIAL OFFER
Personal Savings Account - $150 Bonus - Learn More

Read Capital One Review

 

Benefits and Features

Savings 
0.90% APY
CDBasic CD: 0.35% - 2.55% APY. Terms of 3 months to 5 years. Minimum deposit of $1,000. Yield Pledge CD: 0.35% - 2.55% Terms of 3 months to 5 years. Minimum deposit of $5,000. No monthly service fee.0.75% to 2.60% APY. Terms of 6 months to 5 years. 12-month CD APY of 1.50%
CheckingYield Pledge Checking: 0.10% APY. Minimum deposit of $5,000. No monthly service fee.
0.10% APY
Money Market0.50% APY. No monthly service fee. Minimum deposit of $500. 
Customer Service 
Mon-Sun: 8am - 11pm (ET)
ATMs Over 40,000 no-fee Capital One & Allpoint ATMs
IRA CD 0.75% to 2.60% APY. Terms of 6 months to 5 years. 12-month CD APY of 1.50%.
Locations 
Online Only
 

CreditDonkey® Reviews

SavingsStarStarStarStarEmpty StarStarStarStarHalf StarEmpty Star
CDStarStarStarStarHalf Star
CheckingStarStarStarStarEmpty StarStarStarStarStarStar
Money MarketStarStarStarStarEmpty StarStarStarStarStarEmpty Star
Customer ServiceStarStarStarStarStarStarStarStarStarHalf Star
Mobile AppStarStarStarHalf StarEmpty StarStarStarStarStarHalf Star
Pros & ConsPros:
  • High intro APY
  • No monthly service fees
  • Refund ATM fees
Cons:
  • Large minimum deposit
  • Intro rate only for one year
Pros:
  • Overdraft protection options
  • No account minimums
  • 27 cafes for in-person support
Cons:
  • Lower savings APY compared to other online banks
Bottom LineOnline bank offering high intro rates if you have a large deposit... Read full reviewGood online bank with access to in-person support... Read full review

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

TIAA Bank: Pricing information from published website as of 5/20/2022.

Capital One: Pricing information from published website as of 6/14/2022.

Which is Better: TIAA Bank or Capital One?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing TIAA Bank or Chase.

In short: Capital One's checking and mobile app are worth mentioning. In particular, the checking is outstanding.


Articles on TIAA Bank

TIAA Bank Review

If you have a large opening deposit, TIAA Bank provides a variety of options at high introductory rates. But there are downsides. Read on to see if it's right for you.

Articles on Capital One

Capital One 360

Capital One 360 checking and savings accounts are free to open and offer higher-than-average APY rates. Does this popular web bank live up to its claims? Find out if it's right for you.

Capital One Money Teen Checking Account Review

Is Capital One a good bank for your teenager? Here are the pros, cons, and fees of a Capital One Money Teen Checking account.

Capital One Bank Hours

Capital One Bank is open 6 days a week. Take a look at their operating hours.

Capital One Routing Number

What is the routing number for Capital One? Find the right one for your account with our guide.

Which Do You Think is Best?


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