Certificates of Deposit

Effective as of: 3/12/2010


Current Rates and Account Agreement Supplement

Certificates of Deposit for Capital One Bank (USA), N.A.

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

CD Term Interest Rate* Annual Percentage Yield*
6 months** 0.25%0.25%
1 year 0.50%0.50%
18 months0.91%0.91%
2 years1.24%1.25%
30 months0.75%0.75%
3 years1.88%1.90%
4 years2.47%2.50%
5 years2.71%2.75%
7 years2.96%3.00%
10 years2.96%3.00%

Jumbo Certificates of Deposit for Capital One Bank (USA), N.A.

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

CD Term Interest Rate* Annual Percentage Yield*
6 months** 0.25%0.25%
1 year 0.50%0.50%
18 months0.91%0.91%
2 years1.24%1.25%
30 months0.75%0.75%
3 years1.88%1.90%
4 years2.47%2.50%
5 years2.71%2.75%
7 years2.96%3.00%
10 years2.96%3.00%

Accounts will be opened at Capital One Bank (USA), N.A., unless you request otherwise.

The above interest rates and annual percentage yields are effective as of 3/12/2010 and subject to change at any time.

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.

 * The APY assumes that interest remains on deposit until maturity. A penalty will be imposed for early withdrawal. An early withdrawal will reduce earnings; this fee may reduce earnings.

** Not available to corporate customers.

Capital One Bank (USA), N.A., and Capital One, N.A., are both Members FDIC.

Please see the Capital One Certificate of Deposit Agreement for more information on the terms of these accounts. If you have any questions, please give us a call at 1-866-871-7932 Monday through Friday, 8 a.m. to 8 p.m., or Saturday between 8 a.m. and 2 p.m., Eastern Time.

Need more answers? See our Frequently Asked Questions.
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Open an account by phone at 1-866-871-7932.

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  • 1.25%
    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

  • 1.05%
    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

  • 1.01%
    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
    2.75%
    APY*
    5-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

    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 3/12/2010 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 0.91%, the APY in effect for a 2-year CD was 1.25%, the APY in effect for a 30-month CD was 0.75%, the APY in effect for a 3-year CD was 1.90%, the APY in effect for a 4-year CD was 2.50%, the APY in effect for a 5-year CD was 2.75%, the APY in effect for a 7-year CD was 3.00%, and the APY in effect for a 10-year CD was 3.00%. 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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