Capital One offers certificates of deposit in terms ranging from 6 months to five years. Its rates and fees are competitive with other online banks.
Capital One CD Rates
Here are the rates on Capital One CDs that we track in our database. We work hard to keep these rates updated, but please confirm any rate with the financial institution before opening an account.
Featured Offer: Blue Federal Credit Union 9-Month No-Penalty CD

- 9-Month No-Penalty CD
- APY: 5.00%
- Min. Deposit: $1
- No early withdrawal penalty
- FDIC Insured
Capital One CD Details
Minimum Deposit | $0 |
Monthly Fee | None |
Early Withdrawal Penalty | For 12 month CD accounts (or less), the penalty for withdrawing early is 3 months of interest. For CD accounts longer than 12 months, the penalty for withdrawing early is 6 months of interest. |
Compounding | Capital One 360 CD interest is accrued daily and is compounded and credited to your CD account monthly. |
Grace Period* | 10 days |
Capital One will automatically reinvest the money in a new CD.
How Capital One CD Rates Compare
Here's how Capital One's 6-month CD (3.90% APY) compares to the top five 6-month CD rates in our database:
90 Results
Here's how Capital One's 12-month CD (4.75% APY) compares to the top five 12-month CD rates in our database:
119 Results
Here's how Capital One's 24-month CD (4.30% APY) compares to the top five 24-month CD rates in our database:
104 Results
Here's how Capital One's 60-month CD (4.10% APY) compares to the top five 60-month CD rates in our database:
97 Results
You can learn more about Capital One CDs here.