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Capital One 360 CDs Review
Our take: 4.50% APY on 11 and 14 month CDs with no minimum deposit and light penalties, from one of the largest US banks.
Pros
- 4.50% APY on 11 and 14 months
- No minimum deposit
- Lighter penalties than most
Cons
- Long terms pay much less (3.50% to 3.60%)
- Cannot add money during the term
- 12 month CD pays less than 11 or 14 months
Key facts
- Terms
- 6 to 60 months
- Early withdrawal penalty
- 3 months of interest (12 months or less); 6 months (longer terms)
- At maturity
- 10 day grace period
- Added deposits
- Not allowed during the term
- Minimum to open
- $0
- Monthly fee
- No monthly fee
- Insurance
- FDIC insured up to $250,000 per depositor, per ownership category
- FDIC certificate
- 4297 (Capital One, N.A., McLean, VA)
- Mobile app
- Capital One app: 4.8 on the App Store, 4.5 on Google Play (Sep 28, 2026)
Source: Capital One website, checked Oct 28, 2026. Insurance details from the FDIC BankFind database.
Capital One 360 CDs pay up to 4.50% APY (11 and 14 months) and 4.00% APY on 12 months, with no minimum deposit. Capital One 360 CDs are held at Capital One, N.A. (FDIC certificate 4297). Rates effective as of Oct 28, 2026, checked on Oct 28, 2026.
Capital One 360 CD rates today
| Term | APY |
|---|---|
| 6 months | 3.30% |
| 9 months | 3.75% |
| 10 months | 3.70% |
| 11 months | 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% |
From Capital One’s 360 CD disclosures, rates effective as of October 27, 2026. CD rates are fixed for the term once your CD is opened and funded.
Which Capital One 360 CD term is best?
The 11 month CD pays the top rate with the lighter 3 month penalty. The 14 month CD pays the same rate but carries the 6 month penalty.
Minimum deposit and early withdrawal penalties
There is no minimum deposit. Early withdrawal costs 3 months of interest on terms of 12 months or less and 6 months of interest on longer terms. You cannot add money during the term.
How Capital One 360 CDs work
- Fixed rate for the full term
- No minimum deposit
- 10 day grace period at maturity
- Up to 50 CDs per customer
Is Capital One 360 safe?
Yes. Capital One, N.A. is FDIC certificate 4297, which we confirmed as active in the FDIC BankFind database. Deposits are insured up to $250,000 per depositor, per ownership category.
Compare CD rates by term: 6 month · 9 month · 1 year · 18 month · 2 year · 3 year · 4 year · 5 year
How it compares
The best CD rate we track right now is Sallie Mae Bank CDs. Compare every CD on our CD rates page. See our full Capital One 360 CD rates guide and the 360 Performance Savings review.
Who it is best for
- Savers who want just under or over a year at a top rate
- Anyone who wants no minimum and light penalties
How Capital One compares
| Account | Rating | Best APY | 12 month APY |
|---|---|---|---|
| E*TRADE CDs (Morgan Stanley Private Bank) | 4.7 | 4.80% | 4.55% |
| Barclays Online CD | 4.7 | 4.75% | 4.50% |
| Synchrony Bank CDs | 4.7 | 4.75% | 4.30% |
| Capital One 360 CDs | 4.7 | 4.50% | 4.00% |
| Marcus by Goldman Sachs High Yield CD | 4.6 | 4.40% | 4.40% |
| Bread Savings CD | 4.4 | 4.85% | 4.45% |
| CFG Bank CDs | 4.4 | 4.82% | 4.65% |
| Happen Bank CD | 4.4 | 4.76% | 3.50% |
| American Express CDs | 4.4 | 4.40% | 3.65% |
| Always.bank CDs | 4.3 | 4.15% | 4.15% |
| Service Credit Union Share Certificates | 4.3 | 4.10% | 4.10% |
| Sallie Mae Bank CDs | 4.2 | 5.00% | 4.50% |
| Ivy Bank CDs | 4.2 | 4.25% | 4.05% |
| Popular Direct CDs | 4.0 | 5.00% | 4.60% |
| Peak Bank CDs | 4.0 | 3.69% | 3.69% |
Capital One CD FAQ
What are Capital One 360 CD rates today?
4.50% APY on 11 and 14 months and 4.00% on 12 months, as of Oct 28, 2026.
Is there a minimum deposit?
No. Capital One 360 CDs have no minimum deposit.
What is the early withdrawal penalty?
3 months of interest for terms of 12 months or less and 6 months of interest for longer terms.
Is Capital One FDIC insured?
Yes. Capital One, N.A. is FDIC certificate 4297.
Ready to open Capital One 360 CDs?
Rates as of Oct 28, 2026. Confirm the current rate and terms on the provider’s site before you apply.
Capital One 360 CDs rate history
Every change we found to this account’s rates in our checks of the bank’s website, newest first, with the date the bank gives for each rate. See every bank on our rate change tracker.