Small Business CD Comparison Chart

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Certificates of Deposit accounts include fixed interest rate Term CDs and our Flex CDs that include the option to bump your rate if the market goes up.

Term CDs 

  • Fixed interest rate1
  • Interest payment options available to meet your needs
  • $1,000 minimum opening deposit
  • Seven calendar day grace period2
  • FDIC insured 3

Rates effective 11/19/09 - 11/25/09

Interest Rate*

Annual Percentage Yield (APY)*
6 months 

0.80%

0.80%
1 year

0.80%

0.80%
18 months

0.80%

0.80%
2 years

2.23%

2.25%
5 years

2.96%

3.00%
 

Flex CDs 

  • Option to bump your rate if the market goes up
  • Interest payment options available to meet your needs
  • $1,000 minimum opening deposit
  • Seven calendar day grace period
  • FDIC insured
  

Rates effective 11/19/09 - 11/25/09

Interest Rate*

Annual Percentage Yield (APY)*

Option(s) to bump interest rate
18 month

0.55%

0.55%

Once
2 year 

1.74%

1.75%

Once

When you're ready to open an account, apply online, by phone at 1-888-755-BANK (2265), or at any branch location.

Use our CD calculators to help you plan your CD investment strategy.

All Capital One® Certificates of Deposit (CD) are FDIC insured, can be accessed and applied for online.

Products and rates apply to account holders living in Louisiana, Texas, and Virginia.

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* Rates subject to change weekly. 

1 We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the balance plus earned interest in the account each day.  Interest must be compounded monthly in order to receive full Annual Percentage Yield (APY).

2 A seven (7) day grace period is provided after the maturity date for terms 31 days or greater. During the grace period, you may change the principal amount or certificate term or you can redeem the certificate without a bank penalty. Interest will not be earned or paid during the grace period on funds withdrawn or if the certificate is redeemed during that time.  
After the grace period, we impose a penalty for early withdrawals; this fee could reduce earnings. 

3 Subject to FDIC limitations.