Capital One, N.A.
Capital One Business CD Review 2026
Updated June 3, 2026
Business CD from a full-service bank with hybrid branch-and-digital access.
Who Capital One Business CD is best for
SMBs that want a fixed-rate business CD from a nationally recognized bank that also offers branch access for in-person service.
At a glance
- 1-year CD APY
- Competitive — verify current rate
- Minimum deposit
- Per current terms
- Terms available
- Multiple — verify at capitalone.com
- FDIC
- Insured
Confirm current APY at capitalone.com, Jun 2026
Verify opening requirements at capitalone.com
Term availability and APY subject to change
Capital One, N.A. — $250K coverage
Pros
- +Full-service national bank — CDs, checking, savings, and credit products available in one relationship
- +Physical Capital One branch and café locations for in-person service — rare among competitive-APY CD providers
- +FDIC insured through Capital One, N.A. — established institution (FDIC, fdic.gov)
- +Integrates with Capital One business checking for same-institution fund transfers at maturity
Cons
- −APY may run below the top online-only picks (Live Oak, Amex) depending on current rate environment
- −Minimum deposit and current term availability should be verified at capitalone.com before opening
- −Early-withdrawal penalty applies — review penalty schedule at capitalone.com
Capital One Business CD requirements
- US-registered business entity
- Business EIN required
- Online or in-branch application
Capital One Business CD alternatives
Top alternatives worth comparing from Best Business CD Rates 2026.
Live Oak Bank
Live Oak Bank Business CD
Higher confirmed APY (~5.10%) if branch access is not needed
American Express National Bank
American Express Business CD
No minimum deposit and ~5.00% APY from a well-known institution
U.S. Bank National Association
US Bank Business CD
Larger nationwide branch network for full-service banking
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
See if you qualify→Last verified at the issuer on 2026-06-03
The full lineup
See all picks in Best Business CD Rates 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Capital One Business 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: SMBs that want a fixed-rate business CD from a nationally recognized bank that also offers branch access for in-person service.
◆ 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 Business CD
Is Capital One Business CD FDIC insured?+
Yes. Capital One, N.A. is an FDIC-member institution. Business CD deposits are insured up to $250,000 per depositor, per ownership category. Source: FDIC at fdic.gov.
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 Business CDs. CDs are issued and operated by Capital One, N.A. APYs, terms, early-withdrawal penalties, and eligibility are determined solely by Capital One 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.