Capital One CD rates
Written by
Edited by
The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for .
Capital One offers several certificates of deposit (CDs) through its 360 banking platform, with terms ranging from 6 months to 5 years that can help you meet your savings goals.
Capital One CD rates typically exceed those offered by traditional brick-and-mortar banks, and unlike many competitors, these accounts don't require any minimum deposit to open.
Capital One Bank received high marks on its CDs in our in-depth review. Capital One was also named the Best Big Bank as part of the 2025 Bankrate Awards.
Capital One CD rates
Here’s an overview of Capital One’s CD rates.
| Term | APY | Min. deposit |
|---|---|---|
| 6 months | 3.80% APY | $0 |
| 9 months | 3.80% APY | $0 |
| 1 year | 4.00% APY | $0 |
| 18 months | 3.70% APY | $0 |
| 2 years | 3.50% APY | $0 |
| 30 months | 3.50% APY | $0 |
| 3 years | 3.50% APY | $0 |
| 4 years | 3.50% APY | $0 |
| 5 years | 3.50% APY | $0 |
Note: Annual percentage yields (APYs) were last updated between March 24 and March 30 and may vary by region.
Rate history for Capital One's CD accounts
See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.
Key features of Capital One CDs
Capital One 360 certificates of deposit offer several features that may appeal to savers:
- No minimum deposit requirement: Open a CD with any amount, making these accounts accessible to all savers.
- FDIC insurance: Your deposits are federally insured up to $250,000 per depositor, per account.
- Fixed rates: Lock in your rate for the entire term, protecting you from potential rate decreases.
- Automatic renewal: CDs automatically renew at maturity unless you choose otherwise.
- Early withdrawal penalties: If you withdraw funds before maturity, you'll face penalties that range depending on the term length.
How Capital One’s CDs compare to top-yielding banks
Capital One CD rates are below some other banks that offer top-earning CDs, including:
Moreover, some online banks such as Marcus by Goldman Sachs, also offer no-penalty CDs that allow you to withdraw the principal balance without a fee, while Capital One doesn’t currently offer this type of CD.
However, Capital One accounts don’t have a minimum deposit requirement, while Marcus requires at least $500 to open a CD.
When deciding where to park your savings, 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
If you're looking for more flexibility with your savings, Capital One offers alternatives to CDs:
- 360 Performance Savings: Capital One's savings account offers a competitive yield and doesn't have a minimum balance requirement. Unlike CDs, this account allows unlimited withdrawals.
- Money market account: Capital One also offers a money market account that provides check-writing privileges while earning interest. This account might be suitable for those who want more access to their funds than a CD provides.
Thank you for sharing your experience with Bankrate