As of January 2026, Capital One 360 offers Certificate of Deposit (CD) rates ranging from 3.50% APY for 6- and 9-month terms to 3.90% APY for a 12-month CD, with longer terms from 18 months to 5 years offering 3.75% APY down to 3.60% APY. The 12-month CD currently provides the highest rate at 3.90% APY, while 18-month CDs yield 3.75% APY, and terms of 24 months or longer offer 3.60% APY. All CDs have a $0 minimum deposit requirement and interest compounds monthly. Capital One does not offer no-penalty, IRA, or bump-up CDs, and early withdrawals incur penalties. The 12-month CD is currently the most competitive rate offered, surpassing other terms and matching the highest rate available in the current market.
Capital One
capitalone.com › bank › 360 cds
Online CD Savings Accounts & Interest Rates | Capital One
Capital One CD terms range from 6 months to 60 months. In exchange for leaving your money in the account for the term, you earn interest on the money you deposit. Keep in mind, you can’t access your money until your CD term ends without incurring a penalty.
Bankrate
bankrate.com › banking › cds
Capital One CD Interest Rates | Bankrate
July 9, 2024 - Capital One's 360 CDs offer competitive rates with zero minimum deposit across terms from 6 months to 5 years. That no-minimum feature sets them apart from competitors requiring $500 or $1,000 to start — but the rates themselves?
Are Capital One CD rates better than savings accounts?
Capital One CD rates will in many cases be higher than what some savings accounts on the market offer. The tradeoff is that they’re more restrictive than a savings account. While most institutions permit you to make at least six withdrawals from your savings account each month, you won’t be allowed to touch the money in your CD for several months (or years, depending on the term you choose) without incurring a penalty.
fortune.com
fortune.com › article › capital-one-cd-rates
Capital One CD rates: Everything you need to know | Fortune
How do Capital One 360 CD rates compare to traditional banks?
Capital One 360 CD rates are higher than what you generally find at traditional brick-and-mortar banks. That being said, its rates are a little lower than what you can find at online banks and credit unions.
businessinsider.com
businessinsider.com › personal finance › banking › certificates of deposit › capital one cd rates: pros, cons, and current rates
Capital One CD Rates: Pros, Cons, and Current Rates
What is the minimum deposit for a Capital One CD?
Capital One CDs require no minimum deposit. This is a convenient feature that you won’t find with many other banks.
fortune.com
fortune.com › article › capital-one-cd-rates
Capital One CD rates: Everything you need to know | Fortune
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Investopedia
investopedia.com › capital-one-cd-rates-7480645
Capital One CD Rates: January 2026
2 weeks ago - We like that Capital One offers such high rates. But what’s refreshing to see is no minimum deposit requirement. Typically you’ll need $1,000 or more to open a CD, which isn’t obtainable for many people. It also prevents a good CD ladder strategy because you’ll need that high minimum deposit five times over if you’re going for a standard five-year CD ladder.
Is Capital One's 5.00% APY 11-month CD a good deal?
Tbills higher interest rate for shorter term. State tax free. Easiest to purchase through brokerage account. Or you could just keep money in a brokerage accounts money market fund. More on reddit.com
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March 9, 2023360 Saving or CD?
Check the T&C, but often times with bank CDs, you will lose the previous few months interest if you pull it out early. Rates are anticipated to be cut at least once by years end so the HYSA will reflect that when it happens. So it’s kind of a this out that situation More on reddit.com
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July 31, 2024Guidance Needed on Capital One 360 CD: Immediate Access and Account Setup
I would just keep the money in a HYSA if you might need to access it on short notice. You can also look into if they offer CDs with no penalty for withdrawing early. More on reddit.com
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December 21, 20245% CD at Capital One
Downside is... locked up for 11 months. If you truly have zero need for this $$ for 11 months, but plan to use it within 5, sure, this is a reasonable option. Personally I am willing to give up 0.5% - 1% to have immediate access to my short term savings / emergency fund. More on reddit.com
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December 27, 2022SmartAsset
smartasset.com › checking-account › cd-rates-capital-one
Capital One CD Rates | SmartAsset.com
December 4, 2025 - See the latest certificate of deposit rates and offers from Capital One. SmartAsset's experts give a brief overview of each CD account, including their current rates, minimum balance and fees. See if opening up a CD account today is right for you.
Capital One
capitalone.com › help center › checking & savings › cd account interest
CD Interest Accrual & Disbursements | Capital One Help Center
Use of an amortizing CD calculator is needed to know the exact monthly interest you earn on your 360 CD account. To view your interest rate in the Capital One Mobile app:
Forbes Advisor
forbes.com › advisor › banking › best cds
Capital One CD Rates 2026 – Forbes Advisor
1 week ago - If you’re in the market for a CD from Capital One, here’s everything you need to know. Rates on Capital One Certificates of Deposits range from 3.50% to 3.90% APY, and interest compounds monthly.
Business Insider
businessinsider.com › personal finance › banking › certificates of deposit › capital one cd rates: pros, cons, and current rates
Capital One CD Rates: Pros, Cons, and Current Rates
May 7, 2025 - But if you're just interested in the highest CD rates, or if you want specialty CDs, you might want to bank elsewhere. Capital One 360 CD rates are 3.50% to 4.00% APY.
Deposit Accounts
depositaccounts.com › home › banks › capital one
Capital One 360 Bank Reviews and Rates
Terms range from six months to ... offers three promotional rates: a one-year online CD with a 3.90% APY, a two-year online CD with a 3.60% APY and a five-year online CD with a 3.60% APY....
Address 1680 Capital One Drive, 22102, McLean
Fortune
fortune.com › article › capital-one-cd-rates
Capital One CD rates: Everything you need to know | Fortune
December 12, 2025 - Capital One has 12 different CD terms which vary from six to 60 months. Interest accrues daily and deposits monthly to your account. Bank details reviewed Dec. 12, 2025. Read our roundups of all available CD rates from Chase and Bank of America.
Capital One
capitalone.com › bank › disclosures › cds › online-cds
360 CD Account Disclosures | Capital One
The interest rate for each renewal term will be the rate currently offered on the maturity date. Grace period: You may redeem your Certificate of Deposit within ten (10) calendar days after the maturity date without penalty. The basics: Here's a quick overview of how your account works. You can open an account in your name alone or add the name of one other person once the account is opened. You "link" your Capital One account to a personal (non-business) checking or savings account at another U.S.
NerdWallet
nerdwallet.com › banking › learn › capital-one-cd-rates
Capital One CD Rates: Solid But No Market Leader - NerdWallet
March 2, 2019 - Some banks and credit unions have minimums such as $500 or even $10,000. ... Rates fluctuate, but today, Capital One is offering a rate of 3.90% APY for a 12-month CD, 3.60% for a 3-year and 3.60% for a 5-year CD.
Facebook
facebook.com › capitalone › posts › -special-cd-rate-430-apy-11-months-open-a-360-cd-account-now-to-get-guaranteed-r › 1072022884286695
📈 SPECIAL CD RATE 📈 4.30% APY | 11 Months
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Capital One
capitalone.com › bank › money management › banking basics › what is a cd?
What is a CD & how do they work? | Capital One
If you’re wondering how to invest ... exchange for a set interest rate. So if you open a $10,000, 1-year CD with a 2.25% annual percentage yield, after a year, your account would be worth $10,225—assuming you keep interest ...
Capital One
capitalone.com › bank › compare and open an account
Compare Checking and Savings Accounts Online | Capital One
1 month ago - If you’re looking for the highest interest rate, Capital One’s savings accounts or CDs usually offer the best rates.
Capital One
capitalone.com › bank › 360 cds › 360 cd reviews
360 CD Account Reviews | Capital One
Find out what customers are saying about Capital One 360 CDs on our ratings and reviews page.
Capital One
capitalone.com › bank › money management › banking basics › pros and cons of cds
CD Advantages and Disadvantages | Capital One
So if you invest in a CD with a 1.5% interest rate, and inflation rises 1.9% over the same period, your real returns won’t be as valuable.
Reddit
reddit.com › r/personalfinance › is capital one's 5.00% apy 11-month cd a good deal?
r/personalfinance on Reddit: Is Capital One's 5.00% APY 11-month CD a good deal?
March 9, 2023 -
I'm retired and do not want to risk my money. Capital One is currently offering a 5.00% APY 11-month CD. Is that a good/safe deal?
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Safe? Yes, extremely safe. Guaranteed, in fact. Is it the best? Maybe not the absolute tops for a risk free rate, but it's among the best, and best of all it's really straightforward to setup at capitalone website if you don't know much.
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Tbills higher interest rate for shorter term. State tax free. Easiest to purchase through brokerage account. Or you could just keep money in a brokerage accounts money market fund.
CNET
cnet.com › money › banking › capital one cd rates for april 2025
Capital One CD Rates for April 2025 - CNET
August 1, 2024 - Capital One is one of the few big ... One is still offering above-average annual percentage yields, or APYs, that range from 4% to 5%....
Capital One
capitalone.com › bank › 360 performance savings account
High-Yield Rate: 360 Performance Savings | Capital One
3 days ago - Unlike tiered savings accounts, Capital One's 360 Performance Savings account offers the same high-yield savings rate on your entire balance, so you earn the same great rate whether you’re just starting out or have substantial savings. Interest accrues daily and compounds monthly.
CNBC
cnbc.com › cnbc select › banking › 14 best cd rates of january 2026: earn up to 4.10% apy
14 best CD rates of January 2026: Earn up to 4.10% APY
2 weeks ago - You may withdraw interest that ... balance is withdrawn: CDs with terms of 6 months up to and including 1 year are subject to a fee of 90 days of simple interest based on the principal amount withdrawn; CDs with terms greater ...