360 CD account
& rates

Start saving today for a better tomorrow with an online 360 CD account.
1 year online CDs

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2 year online CDs

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5 year online CDs

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Strong rates

Watch your balance grow with a strong rate and a term that fits your financial goals.

No minimum balance

There's no minimum balance to open a CD account. So deposit what works best for you.


Every Capital One 360 CD balance is insured up to the FDIC’s allowable limits.

Interest payments

Decide when your CD account interest is paid out—end of term, monthly or annually.

No market risk

Your CD’s performance isn’t tied to market variability, so there’s no risk involved.

Guaranteed returns

Your money will grow at a fixed rate over the term of your CD account.


Choose the level of commitment that’s right for your CD savings

Enter your deposit amount and see how your interest grows based on your commitment.

CD TERM Annual Percentage Yield (APY) EARNINGS
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Annual Percentage Yields (APY) are variable and effective as of 5/29/2024. CD rates are fixed upon opening the account. Early withdrawal penalties apply. The above terms are offered at this time and are subject to change.


Calculations are based on interest that is accrued daily but paid and compounded monthly through the CD term. Calculations assume 30 days per month and that monthly interest is reinvested in the CD. Results in the above table are rounded to the nearest dollar. Actual earnings may vary and may be lower if the account is subject to backup withholdings.

WHY 360 CDS?

Put a down payment on the future with guaranteed CD rates

Whether it’s for college, a dream vacation or a new home, a 360 CD means you’re on your way. Plus, your CD interest rate stays the same—from day one until your account reaches maturity.


Find a Capital One Café or bank branch near you.

Personal finance should be, well, personal. That’s why we invite you to stop by and talk about your banking needs. Locate a Capital One Café or bank branch nearest you.


With a certificate of deposit (CD) account, you can save money for a fixed amount of time, called a term. In return for leaving your money in the CD, you earn a fixed interest rate—unlike traditional savings accounts, which have variable interest rates that are subject to change. Learn more about CDs and how they work.

Capital One 360 CD accounts are insured by the Federal Deposit Insurance Corporation (FDIC) up to allowable limits.

CDs allow you to save money with a fixed interest rate for a fixed amount of time, called a term. Capital One CD terms range from 6 months to 60 months. In exchange for leaving your money in the account for the term, you earn interest on the money you deposit. Keep in mind, you can’t access your money until your CD term ends without incurring a penalty.

Since CD account rates are often higher than traditional savings accounts, CDs are a great way to reach your savings goals faster using money that you don't need immediately.

How much interest you earn on your 360 CD account will depend on how much you deposit, your specific term and interest rate. Check out current Capital One 360 CD rates and terms on this page to see how much you can earn. You can enter a deposit amount to instantly see how much you will earn at the end of each term.