Earn Up To 4.00% APY: Capital One 360’s Best Online CD Account Offers (Available Nationwide)

Capital One 360 is offering great rates for their online certificate of deposit (CD) accounts. See the current rates below.

• Update 4/27/25: Rates changed slightly. You can find higher rates with the savings accounts listed in our best checking & savings accounts.
• 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 CHASE, AXOS, AND BMO.

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	3.80%
12 Months	4.00%
18 Month CD	3.70%
2 Year CD	3.50%
3 Year CD	3.50%
5 Year CD	3.50%

• Available nationwide
• Minimum for APY: $1
• Maximum for APY:

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 May 2025
• Capital One 360 Performance Savings: 3.60% APY Rate [Nationwide]
• Capital One 360 Checking: Earn $300 with This Bank Bonus Offer
• Capital One 360 Performance Savings: Earn Up To $1,500 Bonus With Promo Code BONUS1500 [Nationwide]
• 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.