TIAA Bank vs Capital One
TIAA Bank is an online bank offering high 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 requires a minimum of $100. Money Market Account requires a minimum opening deposit of $500. High APY. 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 | |
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360 Performance Savings - 4.35% APY - | ||
Benefits and Features | ||
Savings | ||
CD | Basic CD: 3.95% - 5.25% APY. Terms of 3 months to 5 years. Minimum deposit of $1,000. No monthly service fee. | 4.10% to 5.25% APY. Terms of 6 months to 5 years. 12-month CD APY of 5.25% |
Checking | Yield Pledge Checking: Up to 0.25% APY. Minimum deposit of $100. No monthly service fee. | |
Money Market | Up to 4.75% APY. No monthly service fee. Minimum deposit of $500. | |
Customer Service | ||
ATMs | Over 70,000 no-fee Capital One & Allpoint ATMs | |
Locations | ||
CreditDonkey® Reviews | ||
Savings | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
CD | ![]() ![]() ![]() ![]() ![]() | |
Checking | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Money Market | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Customer Service | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Mobile App | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Pros & Cons | Pros:
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Bottom Line | Online bank offering high rates if you have a large deposit... | Good online bank with access to in-person support... |
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 09/02/2023. Capital One: Pricing information from published website as of 12/09/2023. |
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.