Competitive CD APY with the option of in-person branch support.
Get started at Capital One Bank, N.A. → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Savers who want online CD rates with the option of branch access for complex situations.
Capital One 360 CDs were offering approximately 4.70% APY on the 1-year term as of June 2026. There are no monthly maintenance fees. Branch and Capital One Cafe access is included. Verify the current rate at capitalone.com before opening.
Capital One 360 CD — Competitive CD APY with the option of in-person branch support. Best for: Savers who want online CD rates with the option of branch access for complex situations.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Capital One 360 CDs are available in multiple terms ranging from 6 months to 5 years. Exact term availability and current APY are published at capitalone.com — verify before opening, as rates change with the market environment. Capital One Bank, N.A. is FDIC-insured; confirm at fdic.gov.
No. Capital One 360 CDs have no minimum deposit requirement — you can open one with any amount. This makes Capital One 360 a practical choice for CD laddering strategies where you split a lump sum across multiple terms. Compare this to Marcus ($500 minimum) or Discover ($2,500 minimum). Verify current terms at capitalone.com before opening.
Capital One 360 CDs charge an early-withdrawal penalty if you close the CD before maturity. The penalty is typically expressed as a number of months of interest and scales with the CD term — shorter terms carry smaller penalties. Capital One publishes its current penalty schedule in the CD terms at capitalone.com. If you want flexibility, no-penalty CDs are available from Marcus (11-month) and Ally (11-month) — compare the APY tradeoff before deciding.
No. ClearValue Lending is not a bank, CD issuer, lender, or financial advisor. This review presents publicly available editorial information about Capital One 360 CDs. CDs are issued and operated by Capital One Bank, N.A. APYs, terms, fees, and eligibility are determined solely by Capital One Bank, N.A. and may change — verify current terms at capitalone.com before opening.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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