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Capital One CD rates

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Capital One offers several CDs with varying terms that can help you meet your savings goals. Some terms offer competitive rates, and none requires a minimum deposit to open.

Capital One earned 4.6 out of 5 stars in Bankrate’s review across its deposit products, while its CDs earned 3.9 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 1.30% None
Capital One 360 CD 9 months 1.30% None
Capital One 360 CD 1 year 2.30% None
Capital One 360 CD 18 months 2.40% None
Capital One 360 CD 2 years 2.60% None
Capital One 360 CD 30 months 2.60% None
Capital One 360 CD 3 years 2.70% None
Capital One 360 CD 4 years 2.80% None
Capital One 360 CD 5 years 3.20% None

Note: Annual percentage yields (APYs) shown are as of Aug. 4, 2022, and may vary by region for some products.

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

Capital One has raised its CD rates a few times this year, making them more competitive but still falling short of the best APYs available, regardless of term. On a one-year CD, for example, Bread Savings (formerly Comenity Direct) and First Internet Bank are among online banks that offer higher yields than Capital One, though neither offers branch banking.

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 a federally insured account that offers a competitive APY.

Written by
Karen Bennett
Consumer banking reporter
Karen Bennett is a consumer banking reporter at Bankrate. She uses her finance writing background to help readers learn more about savings and checking accounts, CDs, and other financial matters.
Edited by
Wealth editor