- Primary Navigation
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.
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.
Certificate of Deposit: Earn more in a stable and secure way.
- 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 savings accounts because the holder commits to a fixed rate for a set term. Capital One offers CDs in terms from 6 months to 120 months with a minimum investment of $5,000.
- Great fixed rates
Compare us against the National Average in the box above.
- No fees to open or maintain your account
As long as you don't withdraw money before the term of the CD expires, you wont pay any fees.
- FDIC insured to at least $100,000 per depositor
You know your money is safe with us. The Federal Deposit Insurance Corporation (FDIC) provides insurance on deposits in Capital One Bank and Capital One National Association (N.A.), up to $100,000 per depositor, the maximum amount allowable by law.
- $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.
- Learn more about Direct Banking
Direct Banking is Capital One's way of bringing you a variety of FDIC-insured savings accounts that earn great interest without ever having to step into a bank - you access your account online or over the phone. You are banking "directly" with us, so we can offer great fixed rates on certificates of deposit.
You can feel safe with us. Capital One, among the country's largest deposit institutions, is a leader in financial services, offering a broad spectrum of products and services to consumers, small businesses and commercial clients. We have more than $80 billion in total deposits because of the level of trust we've built with our customers.
Looking for more info? Check out our FAQs.
Take a look at our Rates & Terms and Disclosures.
If you're ready to sign up, open an account now.
Open an account by phone at 1-866-871-7932.
-
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
-
1.50%APY*Balance over $10,000
- A rate among the best
in the nation - No monthly fees
- Free online transfers
- FDIC insured
- A rate among the best
-
1.20%APY*
- Great rate backed by FDIC insurance
- No monthly fees, no minimum balance
- Free online transfers, checks and ATM card*
-
1.10%APY*
- Great rate backed by FDIC insurance
- 2,500 bonus miles*
- Earn rewards for saving
- No monthly fees, no minimum balance
-
2.85%APY*4-year term
- Fixed rates backed by FDIC insurance
- No monthly fees to open or maintain your account
- Convenient online access
-
1.01%APY*
- Great rate backed by FDIC insurance
- Easy access with checks*
- No monthly fees, no minimum balance
