Capital One CD Rates and Terms for 2026

Capital One/nortonrsx / Getty Images/iStockphoto

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

If you’re looking for a straightforward way to earn more on your cash without opening yet another bank account, Capital One’s CDs are worth a look. Capital One is known for its 360 online accounts, and its CDs follow the same blueprint: fully digital, FDIC insured and easy to open in a few minutes.

The big advantages are simplicity and accessibility. Capital One typically offers no minimum deposit on many 360 CDs and pays stronger rates than most traditional brick-and-mortar banks. That said, the very highest CD yields in the country may still come from smaller online banks, credit unions or brokered CDs.

Here’s how Capital One CD terms are structured going into 2026 — and where to plug in the latest APYs before you go live.

Current Capital One CD Rates: January 2026

Capital One is known for making CDs simple: online account opening, generally low or no minimums and FDIC insurance. The bank typically offers a lineup of fixed-rate CDs with terms from short to long.

Capital One offers nine different certificate of deposit (CD) options, which vary in term length from six to 60 months. Here’s a look at current Capital One CD rates for November 2025:

Key Features of Capital One CDs

How Much Can You Earn With a Capital One CD?

Here’s a simple example showing estimated earnings with Capital One CDs:

How Capital One CD Rates Compare

• Versus traditional branch banks
  Capital One CDs often pay more than CDs at many big branch-based banks, which tend to keep standard CD rates low unless they’re running a promo.
• Versus top online banks and credit unions
  Capital One usually lands in the competitive but not always #1 tier. Some smaller banks and credit unions may offer slightly higher APYs at certain terms.
• Versus brokered CDs
  Brokered CDs from major brokerages can sometimes edge out Capital One on certain maturities, but they add complexity and potential price risk if you sell before maturity.

How To Open a Capital One CD

Capital One CDs are built for a fully online experience.

Step-by-step

1. Choose your term and savings goal
   • 6-12 months for short-term goals and upcoming expenses
   • 18-36 months for medium-term savings
   • 48-60 months if you’re comfortable locking in a rate for longer
2. Check current Capital One CD rates
   • Visit Capital One’s CD rates page
   • Confirm available terms, current APYs and any special promotions
   • Identify the best rate and term to highlight in your article
3. Gather your information
   You’ll typically need:
   • Name, address and date of birth
   • Social Security number or taxpayer ID
   • Email address and phone number
   • Bank details if you’re funding from an external account
4. Apply online
   • Select your CD term and initial deposit amount
   • Create or log in to your Capital One account
   • Review and accept the CD terms, including early withdrawal penalties
5. Fund your CD
   • Transfer money from a Capital One 360 account or a linked external bank
   • Your rate is usually locked once your CD is opened and funded
6. Set maturity instructions
   • Decide whether your CD should auto-renew for the same term, roll into a different term or move into a savings or checking account at maturity
   • Add a reminder a few days before the maturity date so you can adjust your plan during the grace period

Pros and Cons of Capital One CDs

Pros and cons charted out for quick scanning:

How Much Can You Earn With a Capital One CD?

Here’s a simple example showing estimated earnings with Capital One CDs:

Capital One CD Rates vs. Other Banks

How does Capital One compare with other banks? Take a look at this side-by-side comparison:

Is a Capital One CD Right for You?

A Capital One CD could be a good fit if you:

• Want a big, well-known online-first bank instead of a smaller niche institution
• Like the idea of no-minimum CDs you can start with any amount
• Prefer managing everything through a website or app without branch visits
• Are comfortable locking money away for a set term to earn more than a typical savings account

You might want to look elsewhere if you:

• Are chasing the absolute highest APYs available nationwide
• Need flexible access to your money and don’t want to risk early withdrawal penalties
• Prefer specialized CD features like no-penalty or bump-up CDs that might be more common at other online banks or brokerages
• Want to support a local credit union or community bank and don’t mind a more limited digital experience

A common strategy is to keep your emergency fund in a high-yield savings account, then use Capital One CDs for the portion of your cash you can confidently set aside for 6 to 60 months.

Final Take to GO

Capital One CDs give savers a straightforward way to earn FDIC-insured, fixed returns with a well-known bank and a clean digital experience. They usually pay more than traditional big-bank CDs, pair nicely with Capital One 360 accounts and don’t force you to meet a high minimum deposit.

If your priority is simplicity plus solid yields, Capital One can be a strong pick for 2026. If you’re laser-focused on squeezing out every last bit of interest and don’t mind juggling accounts at smaller institutions, you may be able to find slightly better rates elsewhere.

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 Jan. 1, 2026, and is subject to change.

*Capital One interest rates accurate as of 01/08/2026. See website for all current rates.

Share This Article: