Capital One CD rates


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Capital One offers a number of CDs with varying terms that can help you meet your savings goals. You’ll find its rates are competitive and you won’t have to worry about any minimum deposits.

Keep in mind that if you open a CD with Capital One, you won’t be able to make any additional deposits. Once your CD reaches maturity, however, you can choose to deposit more money, withdraw the funds or renew your account.

Capital One earned 4.4 out of 5 stars in Bankrate’s review across its deposit products.

Capital One CD rates

Here’s a brief overview of Capital One’s CD rates.

Account name Term APY Minimum deposit
Capital One 360 CD 6 months 0.10% no minimum
Capital One 360 CD 9 months 0.10% no minimum
Capital One 360 CD 12 months 0.20% no minimum
Capital One 360 CD 18 months 0.25% no minimum
Capital One 360 CD 24 months 0.25% no minimum
Capital One 360 CD 30 months 0.25% no minimum
Capital One 360 CD 36 months 0.30% no minimum
Capital One 360 CD 48 months 0.35% no minimum
Capital One 360 CD 60 months 0.40% no minimum

Note: The APYs (Annual Percentage Yield) shown are as of April 1, 2021. The APYs for some products may vary by region.

How Capital One’s CDs compare to top-yielding banks

Capital One offers below-average CD rates. You can find higher rates elsewhere on both the shorter and longer terms. Limelight Bank, Ally Bank and Marcus by Goldman Sachs are among the banks offering a higher payout than Capital One on a 12-month CD, for instance.

Make sure you compare CD rates at a number of banks before you make a decision on where to park your savings. After all, your goal should be to get the highest rate of return possible for the term that works with your timeline. But before locking away your money in a CD, read the fine print. Some banks require heftier deposits to open a CD, for instance.

Other savings options at Capital One

With the Capital One 360 Performance Savings account, you can enjoy an FDIC-insured account that offers a very competitive rate.