Capital One Bank — Banking Rates and Terms

Personal Banking

Currently offered products

Here are the interest rates and Annual Percentage Yields (APY) currently offered by Capital One. This information is accurate as of 2/1/2012.

InterestPlus Online Savings

Exclusive rate for Costco members
— One of the best among the top
national banks
10% quarterly bonus on interest
earned for qualifying accounts
No fees, no minimum balance
$5,000 minimum deposit
FDIC insured

Rates for InterestPlus Online Savings Account
Your daily balance:	Interest rate applied:	APY*:
Plus a 10% quarterly annual bonus in interest earned with an average balance of $10,000 or more*
$0.01 - $4,999.99	0.82%	0.82%
$5,000.00 - $9,999.99	0.82%	0.82%
$10,000.00 - $99,999.99	0.82%	0.82%
$100,000.00 +	0.82%	0.82%

Money Market Account

Great rates
FDIC insured
No fees, no minimum balance
Free online transfers, checks and
ATM card*

Rates for Money Market Account
Your daily balance:	Interest rate applied:	APY*:
$100,000.00 +	0.70%	0.70%
$0.01 - $99.99	0.00%	0.00%
$100.00 - $4,999.99	0.70%	0.70%
$5,000.00 - $9,999.99	0.70%	0.70%
$10,000.00 - $24,999.99	0.70%	0.70%
$25,000.00 - $49,999.99	0.70%	0.70%
$50,000.00 - $99,999.99	0.70%	0.70%

Business Money Market

Competitive rates
FDIC insured
Easy access with checks*
No fees, no minimum balance

Rates for Business Money Market Account
Your daily balance:	Interest rate applied:	APY*:
$100,000.00 +	0.70%	0.70%
$0.01 - $99.99	0.00%	0.00%
$100.00 - $4,999.99	0.70%	0.70%
$5,000.00 - $9,999.99	0.70%	0.70%
$10,000.00 - $24,999.99	0.70%	0.70%
$25,000.00 - $49,999.99	0.70%	0.70%
$50,000.00 - $99,999.99	0.70%	0.70%

Certificates of Deposit

Fixed rates
FDIC insured
No fees to open or maintain your
insurance
Convenient online access

Non-jumbo CD Rates (minimum deposit of $5,000 )

Rates for Non-jumbo CD Rates (minimum deposit of $5,000 )
CD Term:	Interest rate applied:	APY*:
10 Year CD	1.05%	1.06%
18 Month CD	0.45%	0.45%
2 Year CD	0.45%	0.45%
30 Month CD	0.50%	0.50%
3 Year CD	0.55%	0.55%
4 Year CD	0.80%	0.80%
5 Year CD	1.05%	1.06%
7 Year CD	1.05%	1.06%

Jumbo CD Rates (minimum deposit of $100,000)

Rates for Jumbo CD Rates (minimum deposit of $100,000)
CD Term:	Interest rate applied:	APY*:
10 Year CD	1.05%	1.06%
18 Month CD	0.45%	0.45%
2 Year CD	0.45%	0.45%
30 Month CD	0.50%	0.50%
3 Year CD	0.55%	0.55%
4 Year CD	0.80%	0.80%
5 Year CD	1.05%	1.06%
7 Year CD	1.05%	1.06%

Products no longer offered

Online Savings Account

This is a discontinued product. We are no longer opening new accounts for this product. We allow customers with this product to maintain their existing account.

Rates for Online Savings Account
Your daily balance:	Interest rate applied:	APY*:
$100,000.00 +	0.60%	0.60%
$0.01 - $99.99	0.25%	0.25%
$100.00 - $4,999.99	0.25%	0.25%
$5,000.00 - $9,999.99	0.25%	0.25%
$10,000.00 - $24,999.99	0.60%	0.60%
$25,000.00 - $49,999.99	0.60%	0.60%
$50,000.00 - $99,999.99	0.60%	0.60%

* APY means Annual Percentage Yield (APY). APYs are effective as of 2/1/2012 and may change at any time. Account-specific disclosures:
InterestPlus Online Savings
Money Market Account
Business Money Market
Certificates of Deposit

Online Savings Account: 0.60% APY applies to account balances of $10,000 or more and 0.25% APY applies to balances of less than $10,000. Minimum initial deposit amount is $1. Terms and conditions of this offer may change at any time. Rates are variable and may change at any time. Withdrawals by online transfer are limited to six per calendar month.