Capital One | Online Account Application
 
Opening a Certificate of Deposit is easy

Have the following ready for each person to be listed on the account:

  • Social Security number
  • Driver's license or state-issued identification
  • Your checking, savings or brokerage account and routing number

Rates are locked for 10 calendar days at time of account opening to allow you time to fund your CD. If we receive your funds within 10 calendar days of the day you opened your account, you will receive the rate effective on your application date. Accounts funded after this time will receive the rate effective at time of funding.


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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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