Capital One CD rates

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Capital One offers several CDs with varying terms that can help you meet your savings goals. Many terms offer competitive rates, and none requires a minimum deposit to open.
Capital One earned 4.8 out of 5 stars in Bankrate’s review across its deposit products, while its CDs earned 4.9 out of 5 stars.
Capital One CD rates
Here’s an overview of Capital One’s CD rates.
Account name | Term | APY | Minimum deposit |
Capital One 360 CD | 6 months | 3.30% | None |
Capital One 360 CD | 9 months | 3.30% | None |
Capital One 360 CD | 11 months | 5.00% | None |
Capital One 360 CD | 1 year | 4.15% | None |
Capital One 360 CD | 18 months | 4.25% | None |
Capital One 360 CD | 2 years | 4.30% | None |
Capital One 360 CD | 30 months | 4.30% | None |
Capital One 360 CD | 3 years | 4.30% | None |
Capital One 360 CD | 4 years | 4.20% | None |
Capital One 360 CD | 5 years | 4.10% | None |
Note: Annual percentage yields (APYs) shown are as of Feb. 27, 2023, and may vary by region for some products.
How Capital One’s CDs compare to top-yielding banks
Here’s how Capital One’s one-year CD compares with other banks:
Bank | Term | APY | Minimum deposit |
Popular Direct | 1 year | 4.80% | $10,000 |
Bread Savings | 1 year | 4.75% | $1,500 |
Marcus by Goldman Sachs | 1 year | 4.50% | $500 |
Ally Bank | 1 year | 4.25% | None |
Capital One | 1 year | 4.15% | None |
Note: Annual percentage yields (APYs) shown are as of Feb. 27, 2023, and may vary by region for some products.
Compare CD rates, available term lengths and minimum deposit amounts (if any) at several banks when deciding where to park your savings. The goal is to find the highest possible return while ensuring the term fits your timeline.
Other savings options at Capital One
Capital One’s 360 Performance Savings is an account covered by Federal Deposit Insurance Corp. (FDIC) deposit insurance, as long as you’re within FDIC limits and guidelines. It offers a competitive yield and doesn’t have a minimum balance requirement, making it suitable for all savers.
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