Capital One 360 is offering great rates for their online certificate of deposit (CD) accounts. See the current rates below.
- Update12/4/25: Rates updated. You can find higher rates with the savings accounts listed in our best checking & savings accounts.
- Update 9/7/25: Rates updated.
- Update 4/27/25: Rates changed slightly.
- Update 1/4/25: The rates have changed.
- Update 10/28/24: The rates have changed. See the new rates below.
- Update 1/18/23: Some small changes to their APY rates. See new rates below. Also, check out these CDs from Barclays.
- Update 12/19/23: Some small changes to their APY rates.
- Update 10/4/23: Highest rate is now 5.25%.
- Update 8/24/23: Highest rate is now 5.15% APY for the 18 Month CD.
- Update 7/27/23: 1 and 2 year terms get rate increases.
- Update 5/28/23: The 1-year CD rate increased from 4.15% to 4.75%.
- Update 3/21/23: APY Rates updated.
- Update 2/15/23: Added 11-month CD with APY of 5.00%
- Update 1/30/23: The 5-year CD rate decreased from 4.40% to 4.10%
Quick Facts:
- Capital One consistently offers some of the best nationwide rates for its Performance Savings and Certificate of Deposit (CDs) accounts.
- CDs are available in term lengths ranging from 6 to 60 months.
- CDs have no fees and no minimum balance.
- You can open a 360 CD account online in about 5 minutes.
See the Posts History below for all Capital One 360 offers.
READ MORE: GET TOP OFFERS FROM BMO, CIT and AXOS.
Capital One 360 Online CD Account Details
Capital One 360 CD accounts are available with terms ranging from 6 to 60 months.
Here is a table with the current rates for the most popular CD terms from Capital One 360:
| Term | APY |
|---|---|
| 9 Month CD | 3.50% |
| 12 Months CD | 3.90% |
| 18 Month CD | 3.75% |
| 2 Year CD | 3.60% |
| 3 Year CD | 3.60% |
| 5 Year CD | 3.60% |
- Available nationwide
- Minimum for APY: $1
- Maximum for APY:
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Account Features
- There’s no minimum balance to open a CD account.
- Every Capital One 360 CD balance is insured up to the FDIC’s allowable limits.
- Decide when your CD account interest is paid out—end of term, monthly or annually.
- Your CD’s performance isn’t tied to market variability, so there’s no risk involved.
- Your money will grow at a fixed rate over the term of your CD account.
- You can open a 360 CD account online in about 5 minutes.
READ MORE: COMPARE WITH THE NATION’S BEST CD RATES HERE.
More from Capital One 360:
- Best Capital One 360 Bonuses, Promotions (Up To $1,500) of December 2025
- Capital One 360 Performance Savings: Earn Up To $1,500 Bonus With Promo Code BONUS1500 [Nationwide]
- Capital One 360 Checking: Earn $300 with This Bank Bonus Offer
- Capital One 360 Performance Savings: 3.40% APY Rate [Nationwide]
- Capital One’s $1,000 Business Banking Bonus – Ended
- Capital One 360 Money Account Review: Checking Account For Ages 13 To 17
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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