Capital One CD Rates
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Interested in Capital One 360 CDs? Here are their rates and how to open one.
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Capital One is best known for its credit cards. But, they've also been gaining traction for their impressive savings products.
They offer CDs with up to 3.90% APY that will help you boost your money. You can also choose from various terms ranging from 6 months to 60 months, with no minimum balance to worry about.
Read on to know more about Capital One's CD rates, features, fees, and more!
Capital One 360 CD Rates And Terms
| CD Term | APY |
|---|---|
| 6 Months | 3.75% |
| 9 Months | 3.75% |
| 12 Months | 3.90% |
| 18 Months | 3.75% |
| 24 Months | 3.60% |
| 30 Months | 3.60% |
| 36 Months | 3.60% |
| 48 Months | 3.60% |
| 60 Months | 3.60% |
| Minimum Deposit | $0 |
|---|---|
| Terms | 6, 9, 10, 12, 18, 24, 30, 36, 48, and 60 months |
| Interest Payments | Monthly |
| Early Withdrawal Penalty | Terms 12 months or less: 3 months' interest Terms <12 months: 6 months' interest |
| Grace Period | 10 days (to withdraw penalty-free after maturity) |
| Limit | 50 accounts |
| FDIC-Insured | Yes |
Capital One has a good range of CD terms you can choose from. In fact, they have a total of 9 terms available.
For short-term goals, they offer CD terms ranging from 6 months to 18 months. But, if you want something for the long haul, they also have terms from 24 months to 60 months.
How Much Can You Earn with Capital One CD
Here's how much you can earn with Capital One 360 CDs if you deposit $10,000.
| CD Term | APY | Earnings |
|---|---|---|
| 6 Months | 3.75% | $185.77 |
| 9 Months | 3.75% | $279.95 |
| 12 Months | 3.90% | $390.00 |
| 18 Months | 3.75% | $567.74 |
| 24 Months | 3.60% | $732.96 |
| 30 Months | 3.60% | $924.45 |
| 36 Months | 3.60% | $1,119.35 |
| 48 Months | 3.60% | $1,519.64 |
| 60 Months | 3.60% | $1,934.35 |
Capital One 360 CD interest is accrued daily and is compounded and credited to your CD account monthly. You also get the option to receive your interest disbursement either monthly, yearly, or by the end of your term.
How Capital One CDs Compare
High-Yield CD Rates - Up to 3.60% APY
- No fees
- $1 minimum deposit
- FDIC insured
| Term | CD Rates |
|---|---|
| 3 Month | 3.60% APY |
| 4 Month | 3.50% APY |
| 5 Month | 3.40% APY |
| 6 Month | 3.50% APY |
| 9 Month | 3.40% APY |
| 12 Month | 3.30% APY |
CIT Bank No Penalty CD - 3.75% APY
- Option to withdraw full balance and interest after 7 days of CD funding date
- $1,000 minimum to open an account
- 11 months
- No monthly maintenance fee
- Member FDIC
CD Rates - Up to 3.75% APY
- $500 minimum opening deposit
- FDIC insured
| Term | CD Rates |
|---|---|
| 6 Month | 3.75% APY |
| 12 Month | 3.00% APY |
| 24 Month | 3.35% APY |
| 36 Month | 3.25% APY |
| 60 Month | 3.00% APY |
High-Yield CD - Up to $1,500 Bonus
- Select a savings offer and sign up: Choose and fund at least one high-yield savings account or CD on the Raisin platform to get started. Be sure to enter bonus code HEADSTART during sign-up to be eligible for a cash bonus.
- Deposit funds: The more you save, the more you can earn. Make a qualifying deposit(s) within 14 days of opening your account to set your bonus tier.
- Maintain your deposit(s): Maintain your deposit(s) for 90 days from your first deposit date to earn your bonus.
| Deposit | Cash Bonus |
|---|---|
| $10,000 - $24,999 | $70 |
| $25,000 - $49,999 | $175 |
| $50,000 - $99,999 | $350 |
| $100,000 - $199,999 | $750 |
| $200,000 or more | $1,500 |
Mission Valley Bank CD Rates - Up to 3.80% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
| CD | APY |
|---|---|
| 3-Month No-Penalty CD | 3.80% APY |
Capital One 360 CD Pros and Cons
Pros:
- No maintenance fees
- No opening deposit
- 10-day rate lock guarantee
- Various CD terms available
- IRA CDs available
- Access to physical locations
- 24/7 customer service
- FDIC-insured
Cons:
- Early withdrawal penalties
- Monthly compounding interest
- No-penalty CD not available
- Bump-up CD not available
Capital One gives you the highest rate they offer on the CD if you fund your account by linking to an external account within 10 calendar days of applying for a CD.
Fees And Penalties
Most banks will not allow you to close your CD pre-maturely without paying early withdrawal penalties. This rule applies to Capital One's 360 CDs as well.
If you need to close your 360 CD early, here's what you'll have to pay depending on your CD term:[1]
| CD Term | Early Withdrawal Penalty |
|---|---|
| 12 months or less | 3 month's worth of interest on the original principal balance |
| More than 12 months | 6 month's worth of interest on the original principal balance |
Can You Lose Money with a Capital One CD?
Generally, you won't lose money with a Capital One CD because Capital One is FDIC insured (FDIC Cert #4297). This means the government will cover your deposits in case the bank fails, up to $250,000 per depositor, per ownership category.
However, you can lose some of your earnings due to early withdrawal penalties if you withdraw before maturity. And in some cases, if you withdraw early enough, the penalty could even eat into the principal.
How To Open A Capital One 360 CD Account
You can open a Capital One 360 CD account at any of their locations or online. Here's how to do it through their website:
- Visit Capital One's official website and go to the 360 CD Accounts page under Checking & Savings.
- Click on Open Account and choose the details that apply.
- Select your preferred 360 CD term and rate.
- Fill out the form and provide the necessary documents.
- Fund your account.
How To Fund A Capital One 360 CD Account
You can fund your Capital One 360 CD via an electronic transfer (ACH). You can transfer from your Capital One savings account or link an external bank account.[2]
How To Withdraw At Maturity
Capital One will send you a reminder 30 days before your 360 CD matures. But you should start thinking about what to do with your money before then.
You can choose to do any of the following:
- Automatically renew your CD with the same terms
- Renew your CD with a different principal balance, term, or both
- Close your CD and withdraw all funds
Upon the maturity of your 360 CD, you get a 10-day grace period which you can use to decide on what you'll do with your account.
If you don't do anything, your CD is automatically renewed and Capital One will send you a renewal notice.
CD Ladders with Capital One CDs
A CD ladder is a strategy where you split up your money into multiple CDs with different rates and terms. The goal is to have CDs mature at regular intervals. This way, you have cash on hand to use or reinvest whenever a CD matures.
Capital One offers 12-month and 18-month CDs that are worth considering as the longest term for CD a ladder.
Use our CD ladder calculator below to see how much you can earn with Capital One 360 CDs.
Should I Open A Capital One CD Account?
Capital One offers competitive CD rates with a variety of terms to choose from. If you're looking for a low-risk investment to boost your savings, they are a good bank to check out.
If you're looking for flexibility and good rates, your best bet would be to build a CD ladder with Capital One's 360 CDs. Make sure to do research and compare CD rates before deciding on one.
References
- ^ Capital One. 360 CD account disclosures, Retrieved 10/5/2023
- ^ Capital One 360 CD, Retrieved: 10/10/23
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 1/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
U.S. Bank Business Essentials - $400 Bonus
Promo code Q1AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 1/15/2026 and 3/31/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.
Business Essentials: $400 bonus with $5,000 new money deposits, daily balance, and 6 qualifying transactions.
Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.
New money is defined as funds from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees may reduce the required daily balance during the qualifying period.
Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.
Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.
All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
Member FDIC
CIT Bank Platinum Savings - $300 Bonus
- Qualify for a $300 cash bonus with a minimum deposit of $50,000
- This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025 and can end at any time without notice.
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