Capital One Business CD Review 2026

Name: Capital One Business CD
Brand: Capital One, N.A.

Business CD from a full-service bank with hybrid branch-and-digital access.

Get started at Capital One, N.A. → Pre-qualify (where available) with a soft credit pull — no score impact.

ClearValue Rating: 3.9 / 5 — our editorial assessment (how we rate)

Editorial4.0

Cost4.0

Value3.9

Access3.8

Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.

At a glance

1-year CD APY: Competitive — verify current rate (Confirm current APY at capitalone.com, Jun 2026)
Minimum deposit: Per current terms (Verify opening requirements at capitalone.com)
Terms available: Multiple — verify at capitalone.com (Term availability and APY subject to change)
FDIC: Insured (Capital One, N.A. — $250K coverage)

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.

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

Business type: US-registered business entity

Tax ID: Business EIN required

Application: Online or in-branch at a Capital One location

Minimum deposit: Verify current requirements at capitalone.com

US-registered business entity
Business EIN required
Online or in-branch application

Capital One Business CD alternatives

Live Oak Bank Business CD (Live Oak Bank) — Higher confirmed APY (~5.10%) if branch access is not needed
Read review Get started at Live Oak Bank →

American Express Business CD (American Express National Bank) — No minimum deposit and ~5.00% APY from a well-known institution
Read review Get started at American Express National Bank →

US Bank Business CD (U.S. Bank National Association) — Larger nationwide branch network for full-service banking
Read review Get started at U.S. Bank National Association →

Bottom line

Capital One Business CD — Business CD from a full-service bank with hybrid branch-and-digital access. Best for: SMBs that want a fixed-rate business CD from a nationally recognized bank that also offers branch access for in-person service.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.

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.

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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Editorial disclaimer & disclosure

Not financial advice. ClearValue Lending is a business & personal financing platform — not a bank, card issuer, lender, or financial advisor. This review is independent editorial content presenting publicly available information about Capital One Business CD. Nothing on this page is a recommendation to apply for, purchase, or open this product, nor is it individualized financial or credit advice.

How we rate. Every factual claim in this review is attributed to a named source: J.D. Power satisfaction studies, CFPB consumer data, FDIC deposit insurance data, Federal Reserve / FRED rate benchmarks, or official issuer disclosures. Ratings reflect editorial opinion grounded in that data — applied consistently and independent of compensation. Full review methodology →

Affiliate disclosure. Some links on this page are affiliate links — if you apply for or open an account through them, the issuer may pay ClearValue Lending a commission at no cost to you. This does not affect our editorial ratings or rankings.

Advertiser disclosure: some links are from our partners — we may earn a commission at no cost to you. Rankings and editorial assessments are independent of compensation.