Bank · FDIC insured
Capital One CD Rates
Capital One’s best CD rate is 4.40% APY on an 11-month CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Capital One’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Capital One
4.40%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $0
- Earns on $10,000
- $403
360 CD
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
Capital One CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo4.40%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.60%
- QualifiedQualified4.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Capital One ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
360 CD
Up to 4.40%APY · 12 terms
Must be at least 18 years old and a U.S. citizen or lawful permanent resident with a U.S. physical address. CD account balance may not exceed $1,000,000. Early withdrawal penalties apply (3 months interest for terms <= 12 months, 6 months interest for terms > 12 months).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.30% | $164 |
| 9 months | 3.75% | $280 |
| 10 months | 3.70% | $307 |
| 11 months | 4.40% | $403 |
| 12 months | 4.00% | $400 |
| 14 months | 4.40% | $515 |
| 18 months | 3.60% | $545 |
| 24 months | 3.50% | $712 |
| 30 months | 3.50% | $898 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.60% | $1,934 |
Sources (2)
All captured Oct 17, 2026
Opening an account
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