Capital One CD Rates: June 2025

Capital One’s 3🦹60 CD is competitive for certain term lengths

By

澳洲幸运5开奖号码历史查询:Lindsay VanSomeren

Updated May 29, 2025

Two business partners having a meeting with an advisor about CD rates — Carlina Teteris / Getty Images.

Capital One CD rates, with annual percentage yields (APYs) of up to 4.00%, are competitive with the 澳洲幸运5开奖号码历史查询:best high-yield CDs. The bank also has no minimum deposit requirement and provides award-winning customer service.

Capital One 360 CD Rates
CD Term	APY
6 months	3.80%
9 months	3.80%
12 months	4.00%
18 months	3.70%
24 months	3.50%
30 months	3.50%
36 months	3.50%
48 months	3.50%
60 months	3.50%

Although Capital One’s CD rates on long-term options are tempting, don’t open one unless you’re sure you won’t need the money before it matures. Otherwise, you may pay expensive 澳洲幸运5开奖号码历史查询:early withdrawal fees.

Compare Capital One CD Rates

Capi🧔tal One CDs do have competitive interest rates, but you may be able to find higher rates by shopping aro💫und.

Capital One CDs: Key Features

Capital One 360 CD Key Features
APY Range	3.50%–4.00%
Minimum Deposit	None
Term Range	6–60 months
Early Withdrawal Penalty	3 months’ worth of interest for term lengths of 12 months or less; 6 months’ worth of interest for term lengths over 12 months

We like that 澳洲幸运5开奖号码历史查询:Capital One♑ offers such high rates. But what’s refreshing to see is no minimum deposꦕit requirement.

Typically you’ll need $1,000 or more to open a CD, which isn’t obtainable for many people. It also prevents a good CD ladder strategy because you’ll need that high minimum deposit five times over if you’re going for a standard five-year 澳洲幸运5开奖号码历史查询:CD ladder. But with no minimum deposit requirement, Capital One expands access so that a🍨nyone can get started with a single CD or several.

In addition, Capital One is known for its good customer support. The consumer research firm J.D. Power ranked Capital One as the top bank nationwide for overall customer satisfaction in 2023, for the fourth year in a row.

Tip

Capital One’s CDs can be easily opened onl🌳ine, but you can open thไem at a local Capital One branch, too.

Pros and Cons of Capital One CDs

Pros

澳洲幸运5开奖号码历史查询:Competitive rates
澳洲幸运5开奖号码历史查询:No minimum deposit requirement
澳洲幸运5开奖号码历史查询:Reputable customer service

Cons

澳洲幸运5开奖号码历史查询:Possibly higher rates elsewhere
澳洲幸运5开奖号码历史查询:Early withdrawal fees

Pros Explained

Competitive rates: Capital One CDs offer fairly competitive interest rates compared to many other CDs on the market.
No minimum deposit requirement: Unlike many CDs, Capital One CDs do not have a minimum balance requirement. This is an unusual feature for CDs.
Reputable customer service: Capital One was ranked highest overall for customer service in 2023.

Cons Explained

Possibly higher rates elsewhere: While Capital One CDs do offer competitive rates, you may be able to find better rates elsewhere by shopping around.
Early withdrawal fees: Like many CDs, Capital One CDs have an early withdrawal penalty if you withdraw your funds before the end of the term.

About Capital One: Other Options

Capital One, one of the 10 largest banks in the U.S., is a full-service online bank with some branches in select U.S. states. It's known for its extensive credit card offerings, but in addition to CDs, it also offers checking and savings accounts.

Capital One’s savings accounts offer lower rates than you might find at some of the best high-yield savings accounts, but its 3.60% APY is still better than the nat𝔉ional average. One benefit to🐓 the bank's savings accounts is that they have no minimum balance requirements, which can be useful for new savers.

Alternatives to Capital One CDs

Other high-interest CDs: Although Capital One pays high rates on some CD terms, other term lengths are not as competitive. Check the 澳洲幸运5开奖号码历史查询:best CD rates currently available before making a deposit.
High-yield savings account: If you want to protect your funds while also earning interest, you can also consider a 澳洲幸运5开奖号码历史查询:high-yield savings account. Some high-yield accounts offer APYs of 3.60% or more, which is comparable to Capital One CD rates.
Checking account: A checking account is another option for storing your cash, especially if you don’t want to be subject to withdrawal limits. Some 澳洲幸运5开奖号码历史查询:high-interest checking accounts can provide more returns on your cash than traditional checking accounts.
Money market account: 澳洲幸运5开奖号码历史查询:Money market accounts are similar to savings accounts, though they may also come with check-writing abilities and a debit card. You can often earn a good rate on your savings, but you might have to deal with monthly fees or minimum balance requirements.
I bonds: I bonds from the U.S. government are an investment option for protecting your savings from inflation. I bonds may or may not offer a higher rate than the best CDs. When you invest, you have to commit to leaving your money in the I bond for at least a year.

Frequently Asked Questions (FAQs)

How Do Capital One Bank’s CDs Work?

You can open a Capital One CD online or in a branch with any deposit amount you wish. You choose the term length, which dictates your interest rate and how long your money will be unavailable. You can withdraw the money early, but it’ll cost you a penalty fee. When the term length is up, you’ll have a 澳洲幸运5开奖号码历史查询:10-day grace period to withdraw the funds before they’re rolled over into another CD.

Are Capital One CDs Safe and FDIC-Insured?

Yes, Capital One CDs are 澳洲幸运5开奖号码历史查询:FDIC-insured up to $250,000 just the same as any other money you have in a deposit account with the bank. If you’re b♒umping up close to those limits it’s a good idea to seek out another bank to make sure all of ꦯyour money is protected.

Are Capital One and Capital One 360 the Same?

Yes, Capital One and Capital One 360 are the same. 澳洲幸运5开奖号码历史查询:Capital One 360 refers to the bank’s online personal bank account division, as opposed to other divisions such as Capital One Spark, which focuses on small business credit cards. Even though Capital One’s 360 CD i♛s primarily an online-only account, you can still open one in person if you live near a Capital One branch.

Is Capital One Good for CDs?

Yes, Capital One offers good CDs. If you’re concerned about earning the absolute maximum interest rate there are still 澳洲幸运5开奖号码历史查询:better CD options. But it’s also an all-around good choice due to its positive reputation and no minimum deposit requirem🔴ents, making it more accessible to all.

Your Guide to CDs

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