Capital One 360 CD Rates: Every Term, Penalties and How They Compare

Capital One 360 CDs are simple: no minimum, no fees and a big bank with branches behind them. The rates are strongest on short terms. Here is every term, what an early withdrawal costs and how Capital One compares with the top CDs we track.

Capital One 360 CD rates today

Term	APY
6 months	3.30%
9 months	3.75%
10 months	3.70%
11 months (limited time)	4.50%
12 months	4.00%
14 months	4.50%
18 months	3.60%
24 months	3.50%
30 months	3.50%
36 months	3.50%
48 months	3.50%
60 months	3.60%

APYs effective as of Oct 27, 2026, from Capital One’s 360 CD page. Capital One says some terms may be available for a limited time. Once you open a CD, your rate is fixed for the term.

Which Capital One CD term is best?

• 11 months at 4.50%: about $412 on $10,000, more than the 12 month CD earns (about $400) in one less month.
• 12 months at 4.00%: a solid one year option with no minimum.
• 18 months to 5 years: 3.50% to 3.60% trails the leaders by about a full point; for example, 60 months pays about $1,934 on $10,000 at 3.60%, compared with about $2,612 at Barclays’ 4.75% (as of Oct 7, 2026).

Earnings compounded at the APY for the full term with nothing withdrawn. Illustration only.

Early withdrawal penalties

CD term	Penalty
12 months or less	3 months of interest
More than 12 months	6 months of interest

On $10,000 in the 11 month CD, 3 months of interest is roughly $112. These are lighter than many banks we track on long terms; Bread Savings, for example, charges 365 days of interest on 4 and 5 year CDs.

How Capital One 360 CDs compare

Happen Bank’s 11 month CD pays more, 4.65% (as of Oct 26, 2026), but needs $500 to open; Capital One needs no minimum. For 2 and 5 years, Barclays pays 4.75% with no minimum. See every term on our best CD rates page.

How Capital One 360 CDs work

• Minimum deposit: none.
• Adding money: you cannot add money to an existing 360 CD, but you can open up to 50 CDs.
• Interest: accrues daily and is paid and compounded monthly.
• At maturity: a 10 day grace period to withdraw, add money, change the term or let it renew.

Capital One CD or 360 Performance Savings?

Capital One 360 Performance Savings pays 3.20% APY with no lock up. The 11 and 12 month CDs pay more if you can leave the money alone for a year; longer CDs pay only a little more than savings. Read our Capital One 360 Performance Savings review.

Is it safe?

360 CDs are held at Capital One, N.A., in McLean, Virginia, FDIC insured under certificate 4297, which we confirmed in the FDIC BankFind database. Deposits are covered up to $250,000 per depositor, per ownership category, combined with any other Capital One deposits you hold.

See our Capital One 360 CD review for how it scores against other CDs.

Frequently asked questions

What are Capital One CD rates today?

4.50% APY on limited time 11 and 14 month CDs, 4.00% on 12 months, 3.75% on 9 months, 3.70% on 10 months, 3.30% on 6 months and 3.50% to 3.60% on 18 months to 5 years, as of Oct 27, 2026.

Does Capital One have a minimum deposit for CDs?

No. 360 CDs have no minimum deposit.

What is the Capital One CD early withdrawal penalty?

3 months of interest on terms of 12 months or less and 6 months of interest on longer terms.

Can I add money to a Capital One CD?

Not to an existing 360 CD, but you can open additional CDs, up to 50.

Are Capital One CDs FDIC insured?

Yes. They are held at Capital One, N.A., FDIC certificate 4297, up to $250,000 per depositor, per ownership category.