The Savings account interest rate at Capital One Direct Banking has just changed from 0.652% APY to 0.6521% APY with a minimum of $10,000 required. See the full details and rate info at Capital One Direct Banking Money Market/Savings $1000 rate. Interest Plus Online Savings Receive a 10% quarterly bonus on interest earned w/ a monthly average balance of at least $10K or use of a credit card at least once a month. Must receive e-Statements.