Wealthy PotCapital One CD Rates (2026)
A major bank with no minimum, Cafés, and a featured 11-month promo CD (4.30%)
By Wealthy Pot · Last updated September 2026
Capital One CD rates by term
| Term | APY |
|---|---|
| 6-month | 3.30% |
| 1-year | 4.00% |
| 3-year | 3.50% |
| 5-year | 3.60% |
Who Capital One CDs are for
Savers who want a big-bank CD with no minimum and branch/Café access
Rates, minimum & penalties
Capital One requires a $0 minimum deposit to open a CD. The early-withdrawal penalty is 3 months interest (≤12 mo); 6 months interest (>12 mo). Capital One does not offer a no-penalty CD, so plan to keep the money locked for the full term. FDIC-insured (Capital One, N.A.). CD APYs are fixed once you open but change for new CDs frequently, confirm the current rate on the official site.
The bottom line
A major bank with no minimum, Cafés, and a featured 11-month promo CD (4.30%) Main drawback: standard rates trail online-only leaders; no no-penalty cd.
See how Capital One stacks up in our best CD rates comparison, or compare liquid options in our high-yield savings guide.
We summarize each bank's published CD terms, not user reviews. CD APYs are fixed for the term but reprice for new CDs often; figures are re-checked against each bank's official page. CDs are FDIC-insured to legal limits. Some outbound links may be affiliate links — that never affects which banks we include or how we rate them. Nothing here is financial advice.