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

  • $60 for Executive Members
  • $20 for Gold Star & Business Members
J.D. Powers & Associates Capital One Direct Banking's Call Center has been recognized by J.D. Power and Associates for providing:
"An Outstanding Customer Service Experience"
Member FDIC FDIC deposit insurance increase to $250,000 extended through December 31, 2013.
Service my Direct Banking accounts
  • 1.30%
    APY*
    With $5,000 or more
    • Exclusive rate for Costco members — One of the best among the top national banks
    • 10% quarterly bonus on interest earned for qualifying accounts
    • No Fees
    • $5,000 minimum deposit to open
    • FDIC Insured
    Learn more about Online Savings Account

    View our rates and terms

    Open an Online Savings Account

  • 1.25%
    APY*
    • Exclusive rate
    • No monthly fees
    • Free online transfers, checks and ATM card*
    • Open with as little as $1,000
    • FDIC insured
    Learn more about High Yield Money Market

    Open a High Yield Money Market account

  • 2.80%
    APY*
    5-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 deposit to open
    Learn more about Certificates of Deposit

    View our rates and terms

    Open a Certificates of Deposit account

  • 1.25%
    APY*
    • Exclusive rate
    • No monthly fees
    • Easy access with checks*
    • Open with as little as $1,000
    • FDIC insured
    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 3/12/2010 and may change at any time.

“An Outstanding Customer Service Experience”
For J.D. Power and Associates Certified Call Center ProgramSM information, please visit www.jdpower.com