Certificates of Deposit

We'll help you reach your savings goal faster.

Choose the CD that's right for you.
Term certificate of deposit annual percentage yields by account term
CD Term APY Apply
$5,000 minimum deposit to open account See All CD Rates and Terms ›
18 Month CD 0.45% APY* Open an 18 Month Certificates of Deposit Account online.
2 Year CD 0.45% APY* Open a 2 Year Certificate of Deposit
30 Month CD 0.50% APY* Open a 30 Month Certificates of Deposit Account online.
3 Year CD 0.55% APY* Open a 3 Year Certificates of Deposit Account online.
4 Year CD 0.80% APY* Open a 4 Year Certificates of Deposit Account online.
5 Year CD 0.80% APY* Open a 5 Year Certificates of Deposit Account online.
7 Year CD 1.06% APY* Open a 7 Year Certificates of Deposit Account online.
10 Year CD 1.06% APY* Open a 10 Year Certificates of Deposit Account online.

Certificates of Deposit:

  • Fixed Rate
  • Guaranteed Returns
  • FDIC insured
  • Choice of how to reinvest interest

Why our CDs are
such a good way to save

  • No monthly fees apply during the term of your CD.
  • Your deposits are guaranteed to at least $250,000 by the FDIC.
  • Know that your money is secure with one of the country's top 10 largest deposit institutions.
  • Lock in your rate for the life of your CD.

* APY means Annual Percentage Yield. Account specific disclosures:

Certificates of Deposit: APY in effect as of 5/9/2012. The APY in effect for an 18-month CD is 0.45%, the APY in effect for a 2-year CD is 0.45%, the APY in effect for a 30-month CD is 0.50%, the APY in effect for a 3-year CD is 0.55%, the APY in effect for a 4-year CD is 0.80%, the APY in effect for a 5-year CD is 0.80%, the APY in effect for a 7-year CD is 1.06%, and the APY in effect for a 10-year CD is 1.06%. Other rates and terms are also available. A minimum deposit of $5,000 is required to open a CD and to earn the advertised APY. A minimum deposit of $100,000 is required to open a Jumbo CD. A substantial penalty may be imposed for early withdrawal; this fee could reduce earnings. Rates may change at any time.

To receive a Costco Member incentive, you must be a current Costco member at the time you open your account. This must be your first Capital One Direct Banking account of any kind through the Costco program and you must fund your account with at least $5,000 within 30 days of account opening. The applicable member incentive will be credited to your account 4-6 weeks after you fund your account and may occur as two partial credits. The amount of the incentive varies by membership type ($60 for Executive Members and $20 for Gold Star and Business Members) and may be reported to the IRS as required by applicable law. Please keep this incentive disclosure for your records.

See www.fdic.gov for more information about FDIC insurance.

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