Capital One CD Rates

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.

APY
Min. Dep.
Rank*
360 18-months CD
5.15%
$0
7th out of 99
360 12-month CD
4.85%
$0
22nd out of 176
360 24-month CD
4.40%
$0
21st out of 156
360 9-months CD
4.30%
$0
18th out of 69
360 36-months CD
4.30%
$0
18th out of 147
360 30-months CD
4.30%
$0
5th out of 41
360 48-months CD
4.20%
$0
14th out of 132
360 60-months CD
4.10%
$0
18th out of 145
360 6-month CD
3.90%
$0
26th out of 135
*Rank is based on the APY of CDs we track in our database for each respective term.

Featured Offer: Blue Federal Credit Union 9-Month No-Penalty CD

  • 9-Month No-Penalty CD
  • APY: 5.10%
  • Min. Deposit: $1
  • No early withdrawal penalty
  • FDIC Insured

Capital One CD Details

Minimum Deposit$0
Monthly FeeNone
Early Withdrawal PenaltyFor 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.
CompoundingCapital One 360 CD interest is accrued daily and is compounded and credited to your CD account monthly.
Grace Period*10 days
*If you do not withdrawal your money within 10 days of maturity,
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:

98 Results

NexBank
6-month Online CD
APY
5.50%
Min
$25,000
Max
$100k

NexBank
6-month Online Jumbo CD
APY
5.50%
Min
$100,000
Max
$5,000k

APY
5.50%
Min
$500
Max
-

Fidelity
6-month New Issue CD**
APY
5.50%
Min
$100
Max
-

Western Alliance Bank
6-month High Yield CD via Raisin
APY
5.41%
Min
$1
Max
-

Here's how Capital One's 12-month CD (4.85% APY) compares to the top five 12-month CD rates in our database:

133 Results

Forbright
12-month Online CD
APY
5.65%
Min
$1,000
Max
-

NexBank
12-month Online CD
APY
5.60%
Min
$25,000
Max
$100k

NexBank
12-month Online Jumbo CD
APY
5.60%
Min
$100,000
Max
$5,000k

APY
5.55%
Min
$5,000
Max
-

Western Alliance Bank
12-month CD via Raisin
APY
5.51%
Min
$1
Max
-

Here's how Capital One's 24-month CD (4.40% APY) compares to the top five 24-month CD rates in our database:

117 Results

Fidelity
2-year New Issue CD**
APY
5.35%
Min
$100
Max
-

Luana Savings Bank
24-month Jumbo CD
APY
5.32%
Min
$100,000
Max
-

APY
5.28%
Min
$200,000
Max
-

United States Senate Federal Credit Union
24-months Plus Jumbo Business CD
APY
5.28%
Min
$200,000
Max
-

Amerant Bank
24-month Online CD
APY
5.25%
Min
$500
Max
$250k

Here's how Capital One's 60-month CD (4.10% APY) compares to the top five 60-month CD rates in our database:

106 Results

APY
4.97%
Min
$200,000
Max
-

United States Senate Federal Credit Union
60-months Plus Jumbo Business CD
APY
4.97%
Min
$200,000
Max
-

APY
4.92%
Min
$100,000
Max
$200k

APY
4.92%
Min
$100,000
Max
-

United States Senate Federal Credit Union
60-months Plus Jumbo Bump Rate CD
APY
4.86%
Min
$200,000
Max
-

You can learn more about Capital One CDs here.