Capital One Bank, N.A.
Capital One 360 CD Review 2026
Updated August 25, 2026
Competitive CD APY with the option of in-person branch support.
Quick answer
Capital One 360 CD reviews consistently note a rare combination for a CD: competitive APY typically reserved for online-only banks (around 3.90–4.00% on the 1-year term as of late August 2026, down from ~4.70% earlier in the year), a $0 minimum deposit, and FDIC-insured branch access through Capital One Cafes in select states. Verify the live rate at capitalone.com before opening, since CD APYs move with the market.
Who Capital One 360 CD is best for
Savers who want online CD rates with the option of branch access for complex situations.
At a glance
- 1-year APY
- ~3.90–4.00%
- Minimum deposit
- $0
- Branch access
- Available
- FDIC
- Insured
Verified via bankrate.com/Yahoo Finance, Aug 26 2026 — down from ~4.70% earlier in 2026; confirm at capitalone.com before opening (CD APYs move with the market)
No minimum to open
Capital One Cafes + traditional branches in select states
Capital One Bank, N.A. — $250K coverage
Pros
- +No minimum deposit
- +Branch and Capital One Cafe access for in-person service
- +Same Capital One login as credit card accounts — integrated account management
- +Range of terms typically covers 6-month through 5-year
Cons
- −APY slightly below some pure online-bank competitors (Marcus, Synchrony)
- −Branch network limited to specific states
- −No no-penalty or rate-bump CD variant
Capital One 360 CD requirements
- US resident with SSN/ITIN
- At least 18 years old
- No minimum deposit required
Capital One 360 CD rates & fees
Capital One 360 CDs were offering approximately 3.90–4.00% APY on the 1-year term as of late August 2026 — down from ~4.70% earlier in 2026. There are no monthly maintenance fees. Branch and Capital One Cafe access is included. CD APYs move with the market — verify the current rate at capitalone.com before opening.
Rates & fees last verified at the issuer on 2026-08-25. Always confirm current terms before applying.
Capital One 360 CD alternatives
Top alternatives worth comparing from Best CD Rates 2026.
Goldman Sachs Bank USA
Marcus by Goldman Sachs High-Yield CD
Better if you want a higher APY or a no-penalty escape hatch
Ally Bank
Ally Bank CD
Better if you want three CD types and no minimum at one online bank
Synchrony Bank
Synchrony Bank CD
Better if you want the widest term range (3-60 months) with no minimum
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
Apply at Capital One Bank, N.A.→Last verified at the issuer on 2026-08-25
The full lineup
See all picks in Best CD Rates 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Capital One 360 CD scores 3.9 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Savers who want online CD rates with the option of branch access for complex situations.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Capital One 360 CD
What terms does Capital One 360 CD offer?+
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.
Is there a minimum deposit required to open a Capital One 360 CD?+
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.
What is the early-withdrawal penalty on a Capital One 360 CD?+
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.
Is ClearValue Lending a bank or CD issuer?+
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.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.