Certificates of Deposit

Try this easy-to-use tool to see what you need to do in order to reach your savings goals.

Calculator
Earnings and totals in these calculators are estimates only, based on your inputs. Calculators are meant to provide information, not financial advice, and all examples are hypothetical. Rates are variable and may change at any time.

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Service my Direct Banking accounts
  • 1.70%
    APY*
    With $2,500 or more
    • One of the best rates among the top national banks
    • 10% bonus on interest earned for qualifying accounts
    • No monthly fees
    • FDIC insured
    Learn more about InterestPlus Online Savings Account

    View our rates and terms

    Open an Online Savings Account

  • 1.50%
    APY*
    Balance over $10,000
    • A rate among the best
      in the nation
    • No monthly fees
    • Free online transfers
    • FDIC insured
    Learn more about Online Savings Account

    View our rates and terms

    Open an Online Savings Account

  • 1.20%
    APY*
    • Great rate backed by FDIC insurance
    • No monthly fees, no minimum balance
    • Free online transfers, checks and ATM card*
    Learn more about High Yield Money Market

    Open a High Yield Money Market account

  • 1.10%
    APY*
    • Great rate backed by FDIC insurance
    • 2,500 bonus miles*
    • Earn rewards for saving
    • No monthly fees, no minimum balance
    Learn more about Rewards Market

    Open a Rewards Money Market account

  • Certificates of Deposit
    2.85%
    APY*
    4-year term    
    • Fixed rates backed by FDIC insurance
    • No monthly fees to open or maintain your account
    • Convenient online access
    Learn more about Certificates of Deposit

    View our rates and terms

    Open a Certificates of Deposit account

  • 1.01%
    APY*
    • Great rate backed by FDIC insurance
    • Easy access with checks*
    • No monthly fees, no minimum balance
    Learn more about Business Money Market

    Open a Business Money Market account

*   The above annual percentage yields (APYs) are effective as of 11/13/2009 and may change at any time.
Certificates of Deposit: The APY in effect for a 6-month CD was 0.25%, the APY in effect for a 1-year CD was 0.50%, the APY in effect for an 18-month CD was 1.15%, the APY in effect for a 2-year CD was 2.20%, the APY in effect for a 30-month CD was 1.25%, the APY in effect for a 3-year CD was 2.00%, the APY in effect for a 4-year CD was 2.85%, the APY in effect for a 5-year CD was 2.40%, the APY in effect for a 7-year CD was 2.40%, and the APY in effect for a 10-year CD was 2.40%. Other rates and terms are also available. A minimum deposit of $5,000 is required to open a CD. 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. Rate Disclosure
Capital One Direct Banking products and services are offered by Capital One Bank (USA), N.A., and Capital One N.A., members FDIC.

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