Capital One CD Rates (2026): Up to 4.40% APY
Capital One sells online CDs with no minimum deposit at a large bank that also has branches, Cafés and 360 Checking. It suits savers who want their CD next to everyday banking, especially for a term under a year. The 11-month special paid 4.40% APY on October 19, 2026 (for new CDs; fixed once opened), while most longer terms paid 3.50% to 3.60%.
By Wealthy Pot Editorial · Facts checked October 19, 2026
Facts checked October 19, 2026 against Capital One's own CD rate page and deposit agreement (3 sources, listed below). We re-check prices about once a month. We do not earn a commission from Capital One.
Capital One at a glance
| CD rates (APY) | 6 mo 3.30%, 9 mo 3.75%, 11-month special 4.40%, 12 mo 4.00%, 18 mo 3.60%, 24, 30, 36 and 48 mo 3.50%, 60 mo 3.60%; read October 19, 2026; for new CDs, fixed once opened [1] |
|---|---|
| Minimum deposit | None; a CD may not exceed $1,000,000 [2] |
| Early withdrawal penalty | 3 months of interest for terms of 12 months or shorter; 6 months of interest for terms over 12 months, no matter when you redeem [2] |
| Penalty waiver | Death or legal incompetence of an owner [2] |
| Interest | Compounded and credited monthly [2] |
| At maturity | Renews for the same term (or the next closest) at the current rate; 10 calendar days to redeem or change without penalty [2] |
| Adding money | Not allowed during the term [2] |
| Checking at the same bank | Yes, 360 Checking (no fee, no minimum) [3] |
| In person | Branches and Capital One Cafés (Cafés are not full branches) [3] |
| FDIC-insured bank | Capital One, N.A. [1] |
Capital One in official federal data
Rate compared with the national average
Capital One's 1-year CD APY of 4.00% (as of October 19, 2026) is about 2.3 times the FDIC's national average for 12-month CDs, 1.76% (as of October 19, 2026). On $10,000 kept for a year, that is about $400 in interest against $176 at the national average, before tax; a CD locks its rate for the term, while the national average is for CDs opened that month.
Who holds your money
- Deposits are held by Capital One, National Association, FDIC certificate #4297, based in Mclean, VA, established May 22, 1933 according to the FDIC.
- FDIC insurance covers up to $250,000 per depositor, per insured bank, for each account ownership category. Money held at the same bank under another brand name counts toward the same limit.
- Size: $513 billion in deposits and $662 billion in total assets (June 30, 2026 call report). Primary federal regulator: Office of the Comptroller of the Currency.
Customer complaints filed with the CFPB
From October 2025 through September 2026, consumers sent the Consumer Financial Protection Bureau 4,260 complaints about checking or savings accounts at CAPITAL ONE FINANCIAL CORPORATION, about 8.31 per $1 billion of deposits; the company responded on time to 100%. Complaint counts grow with the number of customers and cover the whole company, including checking accounts, and the CFPB does not verify each complaint, so treat them as a rough signal. Read the complaints.
Sources: FDIC BankFind (certificate, deposits and assets), FDIC national deposit rates (October 19, 2026), CFPB Consumer Complaint Database (product "Checking or savings account"). Updated monthly.
How Capital One works
You open a CD online with any amount up to $1,000,000 and fund it once; added deposits are not allowed during the term. Interest compounds and is credited monthly. At maturity the CD renews for the same term, or the closest one offered, at the rate in effect then, and you have 10 calendar days to take the money out or change the term without a penalty. The federal-data block on this page compares Capital One's rates with the FDIC national averages and shows its CFPB complaint count.
The rate ladder is uneven. The 11-month special (4.40%) and the 12-month term (4.00%) pay the most; 18 months to 5 years pay 3.50% to 3.60%, below several online banks. The penalty also doubles past 12 months, from 3 to 6 months of interest. That makes Capital One a better fit for a short CD than for the long rungs of a CD ladder.
A hypothetical early withdrawal: you put $10,000 in the 11-month CD at 4.40% and close it after 6 months. The term is 12 months or shorter, so the penalty is 3 months of interest. Using the APY as an approximation of the rate: $10,000 x 4.40% x 3 / 12 = $110.00. Six months of interest is about $10,000 x 4.40% x 6 / 12 = $220.00, so you keep roughly $110.00. An 18-month CD at 3.60% closed at the same point would cost 6 months of interest, $10,000 x 3.60% x 6 / 12 = $180.00, which is all the interest earned by then. Try other terms in the CD calculator.
Pros
- No minimum deposit
- 4.40% on the 11-month special and 4.00% on 12 months
- Branches, Cafés and 360 Checking at the same bank
- Penalty of 3 months of interest on terms of 12 months or less
Cons
- 18-month to 5-year terms pay only 3.50% to 3.60%
- No no-penalty or bump-up CD on the online CD page
- Penalty doubles to 6 months of interest past 12 months
- No added deposits during the term
Who Capital One fits, and who should skip it
A good fit if
- You bank with Capital One and want your CD in the same app.
- You want a term under a year with no minimum deposit.
- You like having branches or Cafés nearby.
Limitations to know
- A single CD may not exceed $1,000,000. [2]
- Additional deposits other than credited interest are not permitted during the term. [2]
- The 6-month penalty on terms over 12 months applies regardless of when you redeem. [2]
- Capital One Cafés offer self-service banking, including ATMs, but not the same services as a branch. [3]
Capital One compared with alternatives
| Bank | 6-month | 1-year | 3-year | 5-year | Minimum |
|---|---|---|---|---|---|
| Capital One | 3.30% | 4.00% | 3.50% | 3.60% | $0 |
| Marcus by Goldman Sachs | 3.95% | 4.40% | 4.40% | 4.40% | $500 |
| Barclays | 4.00% | 4.50% | 4.50% | 4.75% | $0 |
| Ally Bank | 3.85% | 4.30% | 4.10% | 4.25% | $0 |
| Synchrony Bank | 4.10% | 4.20% | 4.40% | 4.50% | $0 |
- Pick Marcus by Goldman Sachs if you want 4.40% from 1 to 6 years and a no-penalty CD.
- Pick Barclays if you want 4.75% on a 2- or 5-year CD with no minimum.
- Pick Ally Bank if you want an online bank with checking, no minimum and a no-penalty CD.
- Pick Synchrony Bank if you want no minimum, IRA CDs and a 4.50% 5-year rate.
Security and privacy
- CDs are offered by Capital One, N.A., Member FDIC. FDIC insurance covers $250,000 per depositor, per bank, per ownership category. [1]
- Capital One or Discover Bank deposit accounts opened on or after May 18, 2025 are counted together with your other Capital One deposits for the FDIC limit. [3]
- If an owner dies or is declared legally incompetent, the CD can be redeemed early without penalty. [2]
Recent changes
| Date | What changed |
|---|---|
| Oct 19, 2026 | The 11-month special CD pays 4.40% APY, up from 4.30% in our September 2026 snapshot. [1] |
| May 18, 2025 | Discover Bank and Capital One deposit accounts opened from this date are counted together with other Capital One deposits for FDIC coverage. [3] |
Capital One FAQ
Is Capital One FDIC insured?
Yes. CDs are deposits of Capital One, N.A., an FDIC member, insured up to $250,000 per depositor, per ownership category. Discover Bank accounts opened on or after May 18, 2025 count toward the same limit.
What are Capital One CD rates today?
On October 19, 2026 Capital One listed 3.30% APY for 6 months, 3.75% for 9 months, 4.40% for the 11-month special, 4.00% for 12 months, 3.60% for 18 and 60 months, and 3.50% for 24 to 48 months. Rates are for new CDs and fixed once opened. Compare on our <a href="/cd-rates/">CD rates page</a>.
Does Capital One have a minimum deposit for CDs?
No. There is no minimum to open or keep a CD, and a CD can hold up to $1,000,000.
What is the penalty for withdrawing a Capital One CD early?
Three months of interest for terms of 12 months or shorter and 6 months of interest for longer terms, regardless of when you redeem. On a $10,000 11-month CD at 4.40%, that is about $110.
Does Capital One offer a no-penalty CD?
Its online CD page lists only standard CDs, with no no-penalty or bump-up version.
How we researched this review
We did not get paid for this page. On October 19, 2026 we read Capital One's own CD rate page, deposit account agreement and disclosures, quoted each fact and link every one below. FDIC and CFPB figures come straight from the agencies' public data. Penalty examples are our arithmetic on the bank's stated formula. CD rates for new accounts change often; we re-check them about once a month.
Sources
- Capital One, Online CDs (rates read October 19, 2026), checked October 19, 2026.
- Capital One, Online CD account disclosures, checked October 19, 2026.
- Capital One, 360 Performance Savings, checked October 19, 2026.
This review is for general information, not financial advice. CD rates for new accounts change often; the rate is fixed only once you open the CD. Confirm the current rate with the bank.