What are Capital One CD Rates Today?
Capital One CD rates range from 3.30% APY for a 6-month CD to 4.00% APY for a 12-month CD as of Oct 9, 2026.Capital One CD rates are available on a single 360 CD with no minimum deposit, offered in terms from six months to five years plus an 11-month promotional term. Its 12-month CD currently pays 4.00% APY.
Capital One, N.A. CDs at a glance
- Top rate
- 4.40% APY on an 11-month Standard CD
- Terms
- 6 months to 5 years
- Minimum deposit
- None
- CD types
- Standard, Special rate
- Insurance
- FDIC, up to $250,000
Rates checked Oct 19, 2026 against Capital One, N.A.'s own rate page. We check weekly and accept no paid placements.
- No minimum deposit is required to open or maintain a Capital One 360 CD.
- The 11-month promotional CD pays 4.40% APY APY, which is higher than the standard 12-month rate of 4.00% APY.
- Standard long-term rates (24 months and beyond) are lower than those offered by most online-only banks, so compare before locking in.
- For context, the FDIC national average on a 12-month CD is 1.76% APY.
Capital One CD rates today
Capital One offers one CD product, the 360 CD, across all listed terms. Rates are the same regardless of balance.
| Term | APY | Min deposit | Rate last changed |
|---|---|---|---|
| 6-month | 3.30% APY | None | – |
| 9-month | 3.75% APY | None | – |
| 11-month | 4.40% APY | None | – |
| 12-month | 4.00% APY | None | – |
| 18-month | 3.60% APY | None | – |
| 2-year | 3.50% APY | None | – |
| 30-month | 3.50% APY | None | – |
| 3-year | 3.50% APY | None | – |
| 4-year | 3.50% APY | None | – |
| 5-year | 3.60% APY | None | – |
A penalty may be imposed for early withdrawal.
Rate last changed is the as-of date of the first week we saw the current rate; a dash means it hasn't changed since we started tracking it. Deposits at FDIC-member banks are insured up to $250,000 per depositor, per ownership category.
How the Capital One 360 CD works
- Opening. You apply online through Capital One’s banking site, fund the CD from a linked external account, and the rate is locked for the full term.
- Interest. Interest compounds daily and is credited monthly. You can reinvest it in the CD or have it deposited elsewhere.
- Deposits. The CD is funded once at opening. No additional deposits are accepted until the grace period at maturity.
- Maturity. The CD renews automatically for the same term unless you take action during the 10-day grace period after it matures.
- Former Discover customers. Discover CDs transferred to Capital One on or after January 18, 2026 keep their original disclosures until they renew.
Capital One early withdrawal penalties
Withdrawing funds before maturity costs a set number of months of interest. On terms of 12 months or less the penalty is three months of interest; on terms longer than 12 months it is six months of interest.
How Capital One compares
The table below ranks the highest 12-month rates among the banks and credit unions we track each week. It is a limited comparison, and a smaller institution may pay more.
| Rank | Bank | APY | Min deposit | As of |
|---|---|---|---|---|
| 1 | Barclays | 4.50% APY | None | Oct 7, 2026 |
| 2 | Sallie Mae Bank | 4.40% APY | $2,500 | Oct 19, 2026 |
| 3 | Ally Bank | 4.30% APY | None | Oct 16, 2026 |
| 4 | Navy Federal Credit Union | 4.05% APY | $1,000 | Oct 19, 2026 |
| 5 | Capital One, N.A. | 4.00% APY | None | Oct 9, 2026 |
Standard CD rates for a $25,000 balance. These are the highest rates among the institutions AnnuityJournal checks each week, not every bank in the country. A penalty may be imposed for early withdrawal. Verify the current rate with the bank.
Across all terms, here are the best rates we currently track.
| Term | Top APY | National avg. | Bank | Min deposit | As of |
|---|---|---|---|---|---|
| 6-month | 4.00% APY | 1.39% APY | Barclays | None | Oct 7, 2026 |
| 9-month | 4.00% APY | – | Ally Bank | None | Oct 16, 2026 |
| 12-month | 4.50% APY | 1.76% APY | Barclays | None | Oct 7, 2026 |
| 18-month | 4.50% APY | – | Barclays | None | Oct 7, 2026 |
| 2-year | 4.75% APY | 1.55% APY | Barclays | None | Oct 7, 2026 |
| 30-month | 4.40% APY | – | Sallie Mae Bank | $2,500 | Oct 19, 2026 |
| 3-year | 4.50% APY | 1.39% APY | Barclays | None | Oct 7, 2026 |
| 4-year | 4.50% APY | 1.31% APY | Barclays | None | Oct 7, 2026 |
| 5-year | 4.75% APY | 1.41% APY | Barclays | None | Oct 7, 2026 |
Standard CD rates for a $25,000 balance, from each institution's own published rates. These are the highest among the institutions AnnuityJournal checks each week, not every bank in the country. A penalty may be imposed for early withdrawal. Verify the current rate with the bank. National average: the FDIC national rate for October 2026, via the Federal Reserve Bank of St. Louis (FRED).
Capital One CD vs. a fixed annuity
Both a CD and a multi-year guaranteed annuity (MYGA) lock in a rate for a set term. The key differences are how interest is taxed and what it costs to exit early.
| Product | Rate/APY | What $25,000 earns over 5 years | Guaranteed by |
|---|---|---|---|
| National average 5-year CD FDIC national rate, October 2026 | 1.41% APY | $1,813 | FDIC or NCUA insurance, up to $250,000 |
| Capital One, N.A. 5-year CD Standard rate, as of Oct 9, 2026 | 3.60% APY | $4,836 | FDIC insurance, up to $250,000 |
| 5-year MYGA: Knighthead Life Staysail 5 (Simple Interest) Top rate from carriers rated A- or better (AM Best A-) | 6.65% guaranteed | $8,313 | The issuing insurer and state guaranty associations |
| 5-year Treasury Par yield as of Oct 19, 2026 | 4.94% yield | $6,816 | The U.S. government |
MYGAs are not FDIC-insured; they are backed by the issuing insurer and state guaranty associations, up to state limits, and carry surrender charges for early withdrawals. Earnings are estimates before taxes: the rate compounded once a year over the term with interest left in the account (simple interest where noted). The national average and Treasury figures are treated the same way. A penalty may be imposed for early CD withdrawal. This comparison is educational, not a recommendation; verify every rate with the provider.
CD interest is taxed each year as it accrues, while annuity interest grows tax-deferred until withdrawal. For a broader comparison, see how MYGAs compare with Treasury bonds and today’s best MYGA rates.
Who Capital One CDs suit
A Capital One CD suits savers who want a well-known brand with no minimum deposit, who are willing to consider the 11-month promotional term when it outpaces the 12-month rate, or who are former Discover Bank customers already familiar with the account process. The terms available span multiple CD ladder rungs.
Capital One is a weaker fit if you want the highest standard long-term rates, since online banks such as those tracked on our CD rates hub often beat it beyond one year. Savers locking in five years or more should also compare whether the tax deferral of a fixed annuity makes the MYGA option more attractive overall.
Frequently asked questions
What is Capital One, N.A.'s best CD rate right now?
Capital One, N.A.'s highest CD rate we track is 4.40% APY on its 11-month Standard CD (a special rate), as of Oct 9, 2026. That's for a $25,000 balance. Rates change often, so confirm the current rate with Capital One, N.A. before opening an account.
When were these rates last checked?
AnnuityJournal last checked Capital One, N.A.'s rates on Oct 19, 2026, directly from Capital One, N.A.'s own rate page. We check once a week, and we stop showing any rate that hasn't been checked in 10 days.
Is a Capital One, N.A. CD better than a fixed annuity (MYGA)?
Over 5 years, Capital One, N.A. pays 3.60% APY on its CD, and the top 5-year MYGA we track pays 6.65% guaranteed (Knighthead Life). It depends on what you need. A CD is FDIC-insured up to $250,000 and you can reach the money early by paying a penalty. A MYGA is not FDIC-insured; it is backed by the issuing insurance company and state guaranty associations, carries surrender charges, and its interest grows tax-deferred until you withdraw it.
Are Capital One CDs FDIC insured?
Yes. Capital One, N.A. is a federally chartered bank and a member of the FDIC. Deposits are insured up to $250,000 per depositor, per ownership category.
Does Capital One offer a no-penalty CD?
No. Capital One offers only the standard 360 CD, which carries an early withdrawal penalty. If liquidity is a priority, compare Capital One CD rates with high-yield savings account rates before committing.
Capital One CD rates change without notice, so verify the current rate directly on the Capital One banking site before opening an account.
