Capital One certificate of deposit (CD) rates are some of the most competitive in the industry, offering savers a secure investment option while earning an attractive return. Headquartered in Tysons, Virginia, banking behemoth Capital One has an annual net revenue of $36.79 billion and more than 100 million customers, so it’s no wonder they can offer such great rates to their customers. Below, we’ll dig into everything you need to know about its CD rates. For detailed comparisons, visit the best CD rates.
All rates and fees are current as of July 24, 2024, and are subject to change.
Find the best CD for you
Use the widget below to find the CDs with the best rates in your area.
Capital One CD rates and products
Capital One offers several CD products for various savings goals, each with attractive interest rates, flexible terms, and the ability to customize your interest payment schedule to suit your needs. Here’s a closer look at what Capital One offers with its 360 CDs.
Standard CDs
Capital One has nine different CD terms, each offered through its Capital One 360 accounts. These terms vary from six to 60 months, with interest accruing daily and depositing monthly to your account.
Compare Capital One to top competitors
While Capital One's CD rates are competitive, you may be able to secure a CD with better terms. Below is a table comparing Capital One with other institutions.
 Capital One 360 |  Discover |  Marcus by Goldman Sachs |
|---|---|---|
| 6 months | 6 months | 6 months |
| 4.25 | 4.25 | 5.10 |
| 12 months | 12 months | 12 months |
| 5.00 | 4.70 | 5.15 |
| 18 months | 18 months | 18 months |
| 4.45 | 4.40 | 4.70 |
| 24 months | 24 months | 24 months |
| 4.00 | 4.00 | 4.40 |
| 36 months | 36 months | 36 months |
| 4.00 | 3.75 | 4.15 |
| Learn more | Learn more | Learn more |
| Read our review of Capital One 360 | Read our review of Discover | Read our review of Marcus by Goldman Sachs |
Learn more about Capital One
In addition to its 360 CDs, Capital One offers a variety of products for individual customers, businesses, and commercial entities. These include checking, savings, loans, credit cards, and investment accounts. To learn more about what else the institution has to offer, read our full Capital One 360 review.
About the contributors
Katherine Haan is a former financial advisor turned small business coach. Katherine holds an MBA, and is a former staff writer for Fit Small Business. She is a regular contributor to Forbes and maintains a popular lifestyle and travel blog.
EDITORIAL DISCLOSURE: The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.