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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

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Read Capital One Review

 

Benefits and Features

Savings 1.80% APY. No monthly service fee and no minimum deposit.
CDBasic CD: 1.25% - 1.95% APY. Terms of 3 months to 5 years. Minimum deposit of $1,000. Yield Pledge CD: 1.50% - 2.20% Terms of 3 months to 5 years. Minimum deposit of $5,000. No monthly service fee.0.60% to 2.10% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.10%. No deposit to open.
CheckingYield Pledge Checking: 0.25% - 0.65% APY depending on balance. 1-year 1.01% intro APY on balances up to $250,000. Minimum deposit of $5,000. No monthly service fee.0.20% APY. No monthly service fee and no minimum deposit. Overdraft options prevent you from being charged when you accidentally overdraw
Money Market1.01% - 1.70% APY depending on balance. 1-year 1.85% intro APY on balances up to $250,000. No monthly service fee. Minimum deposit of $500. 
Customer Service 
Mon-Sun: 8am - 11pm (ET)
ATMs Over 39,000 no-fee Capital One & Allpoint ATMs
IRA CD 0.60% to 2.10% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.10%.
Locations 
Online Only
 

CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Customer Service
Mobile App
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 Capital One 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.

Capital One: Pricing information from published website as of 12/07/2019.

Which is Better: TIAA Bank or Capital One?

Still need help deciding which bank 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


Articles on Capital One


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