Capital One CD rates

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

Capital One earned 4.8 out of 5 stars in Bankrate’s review across its deposit products, while its CDs earned 4.9 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	3.30%	None
Capital One 360 CD	9 months	3.30%	None
Capital One 360 CD	11 months	5.00%	None
Capital One 360 CD	1 year	4.15%	None
Capital One 360 CD	18 months	4.25%	None
Capital One 360 CD	2 years	4.30%	None
Capital One 360 CD	30 months	4.30%	None
Capital One 360 CD	3 years	4.30%	None
Capital One 360 CD	4 years	4.20%	None
Capital One 360 CD	5 years	4.10%	None

Note: Annual percentage yields (APYs) shown are as of Feb. 27, 2023, and may vary by region for some products.

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

Here’s how Capital One’s one-year CD compares with other banks:

Bank	Term	APY	Minimum deposit
Popular Direct	1 year	4.80%	$10,000
Bread Savings	1 year	4.75%	$1,500
Marcus by Goldman Sachs	1 year	4.50%	$500
Ally Bank	1 year	4.25%	None
Capital One	1 year	4.15%	None

Note: Annual percentage yields (APYs) shown are as of Feb. 27, 2023, and may vary by region for some products.

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 an account covered by Federal Deposit Insurance Corp. (FDIC) deposit insurance, as long as you’re within FDIC limits and guidelines. It offers a competitive yield and doesn’t have a minimum balance requirement, making it suitable for all savers.