Bank · FDIC insured
National Capital Bank CD Rates
National Capital Bank’s best CD rate is 3.65% APY on a 4-month CD. Terms run from 3 months to 30 months. Rates checked October 22, 2026.
How National Capital Bank’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where National Capital Bank has the most branches. $10,000, best rate first.
This bank’s best
National Capital Bank
3.65%APY
- Term
- 4 months
- Minimum
- $10,000
- Earns on $10,000
- $120
CD Rate Specials
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
National Capital Bank CD score
69
CD score
Higher than 24% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo1.26%
- QualifiedQualified3.65%
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 National Capital Bank 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.
CD Rate Specials
Up to 3.65%APY · 3 terms
Limited time offers for new money, not currently on deposit with National Capital Bank. Available for new, personal and business accounts. Early withdrawal penalty may be imposed and fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsLimited time offer for new money. At maturity, reverts to then 3-month term | 3.65% | $120 |
| 7 monthsLimited time offer for new money. At maturity, reverts to then 6-month term | 3.50% | $203 |
| 15 monthsLimited time offer for new money. At maturity, reverts to then 12-month term | 3.30% | $414 |
Sources (1)
- nationalcapitalbank.bank/promotions/new-cd-specials · captured Sep 24, 2026
Platinum Account Holders Certificates of Deposit
Up to 2.18%APY · 5 terms
For Platinum account holders. Rate is 0.10% higher than standard CD rates and may differ at renewal. Early withdrawal penalty and fees could reduce earnings. For Platinum Checking and ePlatinum Interest Checking, one penalty-free withdrawal up to $2,500 allowed under specified balance and time conditions.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty: 30 days' simple interest | 1.36% | $34 |
| 6 monthsEarly withdrawal penalty: 90 days' simple interest | 2.18% | $108 |
| 12 monthsEarly withdrawal penalty: 180 days' simple interest | 1.36% | $136 |
| 24 monthsEarly withdrawal penalty: 180 days' simple interest | 1.36% | $274 |
| 30 monthsEarly withdrawal penalty: 180 days' simple interest | 1.36% | $343 |
Sources (2)
All captured Sep 24, 2026
Certificates of Deposit
Up to 2.08%APY · 5 terms
Fixed-rate terms ranging from 3 to 36 months. Interest is compounded and credited to the CD on a monthly basis. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty: 30 days' simple interest | 1.26% | $31 |
| 6 monthsEarly withdrawal penalty: 90 days' simple interest | 2.08% | $103 |
| 12 monthsEarly withdrawal penalty: 180 days' simple interest | 1.26% | $126 |
| 24 monthsEarly withdrawal penalty: 180 days' simple interest | 1.26% | $254 |
| 30 monthsEarly withdrawal penalty: 180 days' simple interest | 1.26% | $318 |
Sources (2)
All captured Sep 24, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
3.30%APY · 1 term
Individual Retirement Account CD. Early withdrawal penalty: 180 days' simple interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty: 180 days' simple interest | 3.30% | $330 |
Sources (1)
- nationalcapitalbank.bank/rates · captured Sep 24, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.