Certificates of Deposit Certificates of Deposit

Capital One Certificates of Deposit
Earn more interest rate in a stable and secure way. Compare Capital One Certificate of Deposits Interest rate to National average interest rate of Certificate of Deposit.
  • What is a Certificate of Deposit?
    A Certificate of Deposit (CD) is a savings certificate that entitles the holder to receipt of interest. CDs tend to offer higher interest rates than traditional savings accounts because the holder commits to a fixed rate for a set term. Capital One offers CDs in terms from 6 months to 10 years with a minimum investment of $5,000.
  • No fees to open or maintain your account
    As long as you don't withdraw money before the term of the CD expires, you won't pay any fees.
  • FDIC insured to at least $250,000 per depositor
    You know your money is safe with us. The Federal Deposit Insurance Corporation (FDIC) now provides insurance on deposits in Capital One Bank (USA), N.A. and Capital One, N.A., to at least $250,000 per depositor, per institution. This increase to $250,000 has been extended through December 31, 2013.

    Individual and joint accounts are insured separately. For example: if you have both an individual account and a joint account with your spouse in each of our institutions, total deposits for you as a couple can be insured up to $1.5 million (up to $250,000 in each of the individual accounts, and up to an additional $250,000 per spouse in each of the joint accounts).
  • $5,000 minimum deposit
    The minimum deposit required to open a non-jumbo Certificate of Deposit is $5,000. The minimum deposit required to open a jumbo Certificate of Deposit is $100,000.
  • Access to your account information online or by phone
    View up-to-date account information through Capital One's free Online Banking service. You can also call our automated account information line.

Read our FAQs.

Open a Certificates of Deposit account

See our Rates and Disclosures.
Or, open an account now.


Open an account by phone at 1-866-871-7932.

Service my Direct Banking accounts
  • 1.75%
    APY*
    Balance over $10,000
    • One of the best savings rates among the top national banks
    • No fees
    • Free online transfers
    • FDIC insured
    Learn more about Online Savings Account

    View our rates and terms

    Open an Online Savings Account

  • 1.40%
    APY*
    • Great rate backed by FDIC insurance
    • No 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

  • 1.25%
    APY*
    • Competitive rate plus rewards
    • 2,500 bonus miles*
    • Earn rewards for saving
    • No fees, no minimum balance
    • FDIC insured
    Learn more about Rewards Market

    Open a Rewards Money Market account

  • Certificates of Deposit
    1.50%
    APY*
    7-year term    
    • Fixed rates backed by FDIC insurance
    • No fees to open or maintain your account
    • Convenient online access
    View our rates and terms

    Open a Certificates of Deposit account

  • 1.15%
    APY*
    • Great rate backed by FDIC insurance
    • Easy access with checks*
    • No 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 7/1/2009 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 1.01%, the APY in effect for a 2-year CD was 1.01%, the APY in effect for a 30-month CD was 1.01%, the APY in effect for a 3-year CD was 1.01%, the APY in effect for a 4-year CD was 1.50%, the APY in effect for a 5-year CD was 1.50%, the APY in effect for a 7-year CD was 1.50%, and the APY in effect for a 10-year CD was 1.50%. 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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