Looking for a low-risk investment for your hard-earned savings? Options like stocks and crypto have a tempting upside—the potential to grow your money dramatically—but their volatility and the risk of losing money can make your palms sweat.
There’s a less stressful way to grow your cash reserve slowly but steadily, and that’s certificates of deposit (CDs). Capital One CD rates are some of the most competitive in the industry, offering a secure investment option with an attractive return.
Headquartered in Tysons, Virginia, Capital One is a banking behemoth with an annual net revenue of $39.1 billion with more than 100 million customers.
Below, we’ll dig into everything you need to know about Capital One CD rates.
Rates are current as of Feb. 3, 2026, and are subject to change.
Capital One CD rates and products
Capital One offers several CD terms for various savings goals, each with a solid APY and the ability to customize your interest payout schedule to suit your needs (though you won’t find options like bump-up, jumbo, or IRA CDs). Here’s a closer look at what Capital One offers with its 360 CDs.
Standard CDs
Capital One has 12 different CD terms which vary from six to 60 months. Interest accrues daily and deposits monthly to your account.
Bank details reviewed Feb. 3, 2026.
Compare Capital One to competitors
While Capital One’s CD rates are excellent, other banks may in some cases be even better. Below is a table comparing Capital One with CDs from two competitors.
 Capital One 360 |  Synchrony Bank |  Northern Bank Direct |
|---|---|---|
| 6 months | 6 months | 6 months |
| 3.20% | 3.50% | 4.00% |
| 12 months | 12 months | 12 months |
| 3.90% | 3.80% | 3.25% |
| 18 months | 18 months | 18 months |
| 3.60% | 3.70% | 3.50% |
| 24 months | 24 months | 24 months |
| 3.50% | 3.50% | 3.25% |
| 36 months | 36 months | 36 months |
| 3.50% | 3.60% | 3.25% |
| 48 months | 48 months | 48 months |
| 3.50% | 3.50% | 3.25% |
| 60 months | 60 months | 60 months |
| 3.60% | 3.75% | 3.25% |
| Learn more | Learn more | Learn more |
| View offer at Bankrate | View offer at Discover | View offer at Northern Bank Direct |
Bank details reviewed Feb. 3, 2026.
Learn more about Capital One
In addition to its 360 CDs, Capital One offers a variety of products for individual customers, businesses, and commercial entities. These include checking, savings, loans, credit cards, and investment accounts.
Frequently asked questions
What is the minimum deposit for a Capital One CD?
Capital One CDs require no minimum deposit. This is a convenient feature that you won’t find with many other banks.
How often is interest compounded on Capital One CDs?
Interest is compounded monthly on Capital One CDs.
Can I withdraw money from a Capital One CD before maturity?
You can withdraw money from a Capital One CD before maturity, but you’ll almost certainly be penalized for it. You’ll owe between three and six months of interest, depending on the length of your account term. The only exception is Capital One’s 10-day grace period upon opening your account.
Are Capital One CDs FDIC insured?
Capital One CDs are FDIC insured, up to $250,000 per member.
Can I add more money to my Capital One CD after opening?
You cannot add more money to your Capital One CD after opening. You must wait until the account matures.
Are Capital One CD rates better than savings accounts?
Capital One CD rates will in many cases be higher than what some savings accounts on the market offer. The tradeoff is that they’re more restrictive than a savings account. While most institutions permit you to make at least six withdrawals from your savings account each month, you won’t be allowed to touch the money in your CD for several months (or years, depending on the term you choose) without incurring a penalty.
