Interest earned for two similar HYSA extremely different?

Banking

Hello,

I recently moved all my savings buckets to Capitol One HYSA for the 3.30% interest rate. (I know some places have better, but I explicitly chose this one)

So, this morning, I look to see my interest earned for each bucket. (Not using the actual "bucket" feature as that's on a limited roleout, and unfortunately, I'm not included with that) meaning I just have multiple HYSA savings accounts.

I have two separate accounts with similar balances.

Reno Fund:

Ending Month Balance $5,267.84

Ending Month Pending transaction $1,000

Interest Earned $13.19

Education Fund

Ending Month Balance $5,124.42

Ending Month Pending transaction $150

Interest Earned $2.32

Keep in mind they DO count the pending transaction towards the month it was initiated in and back date it appropriately. (I can visually confirm this as I have an account with $0.00 but $100 pending from Feb 25th, and that account earned 3 cents interest)

Last month, the Reno fund had a balance of $5,250 and earned interest of $4.65

What am I missing or not understanding for why the interest earned would be different by over $10 for only a $1k difference in savings? Not to mention the previous month, the for thr Reno Fund was extremely close to this month for the Education Fund, but there is still a difference of $2?

Posted Mar 1, 2026, 2:35 PM UTC

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