Capital One Online Savings Account

One of the best savings rates among top national banks, no fees and FDIC Insured

Member Bonus*

» $60 for Executive Members
» $20 for Gold Star & Business Members

When you open your first account and deposit $5,000 within 30 days.

Online Savings Account

Online Savings Account
  One of the best savings rates among the top national banks, with free online transfers to and from existing bank accounts*
Money Market

Money Market Account
  A strong rate with outstanding access to your money via free online transfers, checks and ATM cards*
Certificate of Deposit Accounts

Certificate of Deposit Accounts
  Lock in a fixed rate. No fees to open or maintain.

All accounts FDIC insured

Not sure which account is right for you? Compare our products Member FDIC


Check out all our Direct Banking products:
Online Savings Account
Money Market Account
Certificate of Deposit
Business Money Market Account

  • 1.80%
    APY*
    Balance over $10,000
    • Exclusive rate for Costco members – One of the best among the top national banks
    • No fees
    • Free online transfers
    • $5,000 minimum deposit to open
    • FDIC insured
    Learn more about Online Savings Account

    View our rates and terms

    Open an Online Savings Account

  • 1.60%
    APY*
    • Exclusive rate backed by FDIC insurance for Costco members
    • No fees
    • Free online transfers, checks and ATM card*
    • Open with as little as $1,000
    Learn more about High Yield Money Market

    Open a High Yield Money Market account

  • 2.05%
    APY*
    7-year term   
    • Exclusive fixed rates backed by FDIC insurance for Costco members
    • No fees to open or maintain your account
    • Convenient online access
    • $5,000 minimum investment to open
    Learn more about Certificates of Deposit

    View our rates and terms

    Open a Certificates of Deposit account

  • 1.60%
    APY*
    • Exclusive rate backed by FDIC insurance for Costco members
    • Easy access with checks*
    • No fees
    • $1,000 minimum deposit to open
    Learn more about Business Money Market

    Open a Business Money Market account

Capital One Direct Banking deposit products are offered by Capital One Bank (USA), N.A., and Capital One, N.A., members FDIC. May not be combined with any other offers.
*   The above annual percentage yields (APYs) are effective as of 7/1/2009 and may change at any time.
Online Savings Account: 1.80% APY applies to account balances of $10,000–$24,999.99, $25,000–$49,999.99, $50,000–$99,999.99, and $100,000 or more and 1.06% APY applies to balances of $0.01–$99.99, $100–$4,999.99, $5,000–$9,999.99. Minimum initial deposit amount is $5,000. Terms and conditions of this offer may change at any time. Rates are variable and may change at any time. Withdrawals by online transfer are limited to six per calendar month. Rate Disclosure
Money Market Account: 1.60% APY applies to account balances of $100–$4,999.99, $5,000–$9,999.99, $10,000–$24,999.99, $25,000–$49,999.99, $50,000–$99,999.99 and $100,000 or more. 0.00% APY applies to balances less than $100. Minimum initial deposit amount is $1,000. Terms and conditions of this offer may change at any time. Rates are variable and may change at any time after account opening. Withdrawal limits apply. Rate Disclosure
Certificates of Deposit: The APY in effect for an 18-month CD was 1.55%, the APY in effect for a 3-year CD was 1.55%, the APY in effect for a 5-year CD was 2.05%, and the APY in effect for a 7-year CD was 2.05%. 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
Business Money Market Account: 1.60% APY applies to account balances of $100–$4,999.99, $5,000–$9,999.99, $10,000–$24,999.99, $25,000–$49,999.99, $50,000–$99,999.99 and $100,000 or more. 0.00% APY applies to balances less than $100. Minimum initial deposit amount is $1,000. Terms and conditions of this offer may change at any time. Rates are variable and may change at any time. Withdrawal limits apply. Rate Disclosure
† National Average for money market accounts as of 6/29/2009, Informa Research Services, Inc., Calabasas, CA, www.informars.com, based on balance of $10,000. Although the information has been obtained from various institutions, the accuracy cannot be guaranteed.
†† Source: Informa Research Services, Inc. Calabasas, CA, as of 6/29/2009. www.informars.com. Data is based on a balance of $2,500. Although the information has been obtained from various institutions themselves, the accuracy cannot be guaranteed.
Bonus interest credit: Member bonus is paid as an interest credit. To receive the $60 interest credit, you must be a Costco Executive Member at the time you open your account. To receive the $20 interest credit, you must be a Costco Gold Star or Business 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 interest credit will be credited to your account as interest income 4-6 weeks after you fund your account and may occur as two partial interest credits.

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