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Capital One CD Rates 2025: Solid But No Market Leader
Capital One 360’s CD rates are on par with other online CDs and the bank requires no minimum deposit.
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Spencer Tierney is a consumer banking writer at NerdWallet. He has covered personal finance since 2013, with a focus on certificates of deposit and other banking-related topics. His work has been featured by The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. He is based in Oakland, California.
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Capital One 360’s CD rates are on par with other online high-yield CDs and there’s no minimum deposit requirement. You won’t find specialty CDs such as no-penalty or bump-up CDs that some online competitors have, but Capital One has competitive yields for an online bank.
Capital One is a digital banking giant with checking and savings accounts with no monthly fees, and a solid savings rate, so CDs aren’t the only plus at this bank.
NerdWallet's take: Capital One’s CD rates don’t usually lead the pack among high-yield CDs, but the CDs’ key strengths lie in having solid APYs across a wide range of CD terms and no dollar amount requirement to open.
Capital One CD rates
6-month CD
3.80% APY.
9-month CD
3.80% APY.
1-year CD
4.00% APY.
18-month CD
3.70% APY.
2-year CD
3.50% APY.
30-month CD
3.50% APY.
3-year CD
3.50% APY.
4-year CD
3.50% APY.
5-year CD
3.50% APY.
Frequently asked questions
Are Capital One CDs safe?
Yes. As at most banks, funds saved in a CD at Capital One are insured by the Federal Deposit Insurance Corp., up to $250,000 per account as the standard cap.
What is the minimum to open a CD?
There is no minimum to open a Capital One CD — you can open one with any amount. Some banks and credit unions have minimums such as $500 or even $10,000.
What are Capital One CD rates today?
Rates fluctuate, but today, Capital One is offering a rate of 4.00% APY for a 12-month CD, 3.50% for a 3-year and 3.50% for a 5-year CD. Read on for more rates and terms.
Are Capital One and Capital One 360 the same?
The short answer is, yes. Capital One 360 is the online banking division of Capital One, but the online division can also be called Capital One, so you can use either when discussing its online accounts and banking services.
Are Capital One CDs safe?
Yes. As at most banks, funds saved in a CD at Capital One are insured by the Federal Deposit Insurance Corp., up to $250,000 per account as the standard cap.
What is the minimum to open a CD?
There is no minimum to open a Capital One CD — you can open one with any amount. Some banks and credit unions have minimums such as $500 or even $10,000.
What are Capital One CD rates today?
Rates fluctuate, but today, Capital One is offering a rate of
4.00%
APY for a 12-month CD,
3.50%
for a 3-year and
3.50%
for a 5-year CD. Read on for more rates and terms.
Are Capital One and Capital One 360 the same?
The short answer is, yes. Capital One 360 is the online banking division of Capital One, but the online division can also be called Capital One, so you can use either when discussing its online accounts and banking services.
More details about Capital One CDs
Minimum deposit
None.
CD opening minimums tend to be $500 or $1,000, so having no minimum is an uncommon perk.
Range of CD terms
6 months to 5 years.
This is a standard range of terms.
Early withdrawal penalty
Varies by term:
3 months' worth of interest* for CDs of terms 1 year and shorter.
6 months' worth of interest* for CDs of terms longer than 1 year.
CD rates are fixed. If you open a Capital One CD today, its annual percentage yield will stay the same until the CD expires. This enables you to lock in a CD if rates are relatively high. Here’s a quick look at historical CD rates, or, if you want a snapshot of high-yield rates by term, see current CD rates.
Be aware of two common rules with CDs: You can’t make partial withdrawals of the CD deposit or add additional funds after depositing money into a CD.
You lose interest if you withdraw early. CDs are built to keep your money out of sight, out of mind. If you dip into a Capital One bank CD before it expires, there’s an early withdrawal penalty, which means losing some or all the interest you earned.
Interest accrues in a CD during the term, so you can benefit from compound interest. Alternatively, you can request to receive interest during the term to another account.
CDs auto-renew unless you opt out. To avoid renewal, withdraw during the grace period.
Compounding frequency doesn’t often help you compare rates. Like a savings account, a CD’s rate is primarily quoted as an annual percentage yield (APY), meaning the annual interest rate that factors in compounding. You can compare two interest rates with different compounding periods using APY. Alternatively, if you only know a CD’s interest rate, you need to know the compounding frequency — often daily or monthly — to estimate your return. Learn more about APY vs. interest rate.
4.25%Annual Percentage Yield (APY) is accurate as of 01/09/2025. APY may change at any time before or after the account is opened. Available only online.
5.00%Start earning 2.50% APY (Annual Percentage Yield), then qualify to earn 5.00% APY. Earn 5.00% APY on your balance up to $5,000.00 for next month by meeting these two requirements this month: (1) Receive direct deposit(s) totaling $1,000 or more; and (2) End the month with a positive balance in both your Varo Bank Account and Savings Account. You’ll continue to earn 2.50% APY on any additional balance above $5,000.00. No fees, no minimum balance required.
4.00%Annual Percentage Yield (APY). APY may change at any time and fees may reduce earnings. Please visit etrade.com/ratesheet for more information.
Min. balance for APY
$0
These cash accounts combine services and features similar to checking, savings and/or investment accounts in one product. Cash management accounts are typically offered by non-bank financial institutions.
These cash accounts combine services and features similar to checking, savings and/or investment accounts in one product. Cash management accounts are typically offered by non-bank financial institutions.
4.50%*Current promotional rate; annual percentage yield (variable) is 4.00% as of 12/27/24, plus a .50% boost available as a special offer with qualifying deposit. Terms apply; if the base APY increases or decreases, you’ll get the .50% boost on the updated rate. Cash Reserve is only available to clients of Betterment LLC, which is not a bank; cash transfers to program banks (www.betterment.com/cash-portfolio) conducted through clients’ brokerage accounts at Betterment Securities. FDIC insurance is subject to certain conditions.
4.35%All Bread Savings APYs are accurate as of 05/08/2025. APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings. To open a CD, a minimum of $1,500 is required and must be deposited in a single transaction. A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time. Rates are compared against competitor rates published by NerdWallet.com and the institutions themselves as of 05/08/2025. NerdWallet.com obtains the data from the various banks that it tracks and its accuracy cannot be guaranteed.
