Capital One CD Rates and Terms for 2025
Written by
Rudri Patel
Edited by
Elizabeth Constantineau
Commitment to Our Readers
GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.
20 Years
Helping You Live Richer
Reviewed
by Experts
Trusted by
Millions of Readers
Capital One offers nine different certificate of deposit (CD) options, which vary in term length from six to 60 months. It’s also among the Best CD Accounts listed by GOBankingRates in 2025.
Here’s a look at current Capital One CD rates for this month:
| CD Term | APY | Minimum Deposit |
|---|---|---|
| 6 months | $0 | |
| 9 months | $0 | |
| 12 months | $0 | |
| 18 months | $0 | |
| 24 months | $0 | |
| 30 months | $0 | |
| 36 months | $0 | |
| 48 months | $0 | |
| 60 months | $0 |
Pros and Cons of Capital One CDs
It can help to consider the pros and cons before opening a new CD account.
Pros
- No minimum deposit requirements
- 10-day grace period for penalty-free withdrawal
- Higher rates than the national average
- Interest accrues daily
Cons
- Relatively high penalties for early withdrawal
- Potentially lower returns than other investments such as stocks or bonds
How Much Can You Earn With a Capital One CD?
Here’s a simple example showing estimated earnings with Capital One CDs:
| Deposit Amount | Term Length | APY | Estimated Interest Earned* |
|---|---|---|---|
| $500 | 1 year | $20.00 | |
| $1,000 | 18 months | $57.54 | |
| $3,000 | 2 years | $219.89 | |
| $5,000 | 5 years | $967.18 |
How To Open a CD With Capital One
As primarily an online bank, you can open a Capital One account easily from your internet-equipped device. You can also go to a physical location and open a CD with the help of a banker.
Here are the steps you can follow:
- Go to the Capital One CDs page and click “Open account.”
- Follow the prompts and fill in personal information including your name, address and Social Security number.
- Link your Capital One CD to your personal bank account at another bank. This account must be a U.S. chartered bank.
- Transfer the deposit amount. Keep in mind you can only make this transfer once. You won’t be able to add money to the CD at any other point during its term.
How To Qualify
- Must be 18 years old
- Be a U.S. citizen or lawful permanent resident — with a U.S. physical address
- Have a valid Social Security number
- Have a U.S.-based phone number
- Note: You can get around the SSN if you have an Individual Taxpayer Identification Number (ITIN), but you’ll need to open the CD at a physical branch or Capital One Café, and your linked account must be from a bank chartered in the U.S.
Capital One CD Rates vs. Other Banks
How does Capital One compare with other banks? Take a look at this side-by-side comparison:
| Bank | 1-Year CD Rate | 5-Year CD Rate | Minimum Deposit |
|---|---|---|---|
| Capital One | $0 | ||
| Popular Direct | $10,000 | ||
| Ally Bank | $0 | ||
| Discover® Bank, Member FDIC | $0 |
Is a Capital One CD Right for You?
A Capital One CD is ideal for:
- Investors seeking predictable and fixed returns
- Individuals who are tech savvy
- People who won’t need quick access to their money
Capital One CDs are not great for:
- Those who want bump-up, special CDs or no-penalty options
- People who may need to withdraw early
- Investors looking for high-yield options
3 Tips for Getting the Best CD Rate
Want the best rate on your CD? Here are some tips that may help.
1. Consider Relationship Banking Perks
Some banks will offer better rates on CDs if you are a long-time customer or have several accounts.
2. Compare Multiple Terms
Do a deep dive on rates at multiple banks to find the best APY that works for you.
3. Look for Promotional or Limited-Time Offers
Banks often offer promotional rates or special offers on their CDs. Check online or if the bank is local, ask in person for those offers.
Capital One CDs: FAQ
Here are the answers to some commonly asked questions about Capital One CD rates and features.- What is the minimum deposit for a Capital One CD?
- There is no minimum deposit requirement for a Capital One CD.
- Do I need a Capital One account to open a CD?
- No, you do not need an existing Capital One account to open a CD.
- Can I open a Capital One CD online?
- Yes, everything from opening to funding a Capital One CD can be done online.
- What happens if I withdraw funds before the term ends?
- If you take funds out before your term is up, you will face early withdrawal penalties.
- Are Capital One CD rates competitive in 2025?
- Yes, Capital One offers rates up to 4.00% APY. However, individuals may find that some online institutions are offering higher APYs.
More About Capital One
- Capital One Bank Review
- Capital One Savings Account Interest Rates
- Capital One Routing Number
- Capital One Promotions and Offers
Sarah Sharkey and Caitlyn Moorhead contributed to the reporting for this article.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
Data is accurate as of Oct. 2, 2025, and is subject to change.
*Capital One interest rates accurate as of Oct. 2, 2025. See website for all current rates.
Our in-house research team and on-site financial experts work together to create content that’s accurate, impartial, and up to date. We fact-check every single statistic, quote and fact using trusted primary resources to make sure the information we provide is correct. You can learn more about GOBankingRates’ processes and standards in our editorial policy.
- Federal Reserve Bank of St. Louis "National Rate: 12 Month CD"
