Certificate of happily ever after.

Start saving today for a better tomorrow.

Let competitive rates do the savings for you.


Annual Percentage Yield

For 1 year online CDs


Annual Percentage Yield

For 3 year online CDs


Annual Percentage Yield

For 5 year online CDs

What you can expect from your 360 CD.

Online-only means only more chances to save.

High Interest Icon

High Interest

Lock in an online-only APY based on the term of each online CD account. The longer you save, the greater the return.

No Market Risk Icon

No Market Risk

Set it and forget it. But if you think you’ll need to withdraw your money early, a 360 Savings account may be a better fit to avoid penalties.

Guaranteed Returns Icon

Guaranteed Returns

Pre-determined rates mean you’ll always know what to expect from your CD account.

FDIC-Insured Icon


Rest easy knowing every Capital One 360 CD deposit is fully insured up to the allowable limits.

Interest Payments Icon

Interest Payments

Decide when and how your CD account interest is paid out based on what works best for you, whether end of term, monthly or annually.

Live life on your own terms.

With CD rates and terms starting at 6 months, not everyone has to be on the 5 year plan. Choose the level of commitment that’s right for your savings.

Term Annual Percentage Yield (APY)
6 Month CD
9 Month CD
12 Month CD
18 Month CD
24 Month CD
30 Month CD
36 Month CD
48 Month CD
60 Month CD

Annual Percentage Yields (APY) are variable and effective as of . CD product rates are fixed upon opening the account. Early withdrawal penalties apply.

Read Disclosures

“I know my funds are safe and secure and making interest, which helps us plan for our future needs.”

Debby B., Beachwood, OH

Put a down payment on the future.

It’s time to put your money where your dreams are. Whether saving for the kids’ college funds, the ultimate vacation, or your first home, a Capital One 360 CD means you’re already on the way.

Get peace of mind with guaranteed rates.

Enjoy the same great rate from the day you open your account until the moment it reaches maturity. Unlike traditional savings, your CD interest rate will stay the same no matter what.

Certificates of Deposit: 101

Unlock everything you need to know to start saving for the future today. For more information, just click the arrow next to each topic below.

  • Guaranteed rates

    Certificates of Deposit (CDs) allow you to lock in a set rate of return for 6 to 60 months per CD. 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.

  • FDIC-insured

    All CD account deposits are FDIC-insured up to $250,000 per account holder.

  • Interest accrued daily

    Interest on your CD is accrued daily and compounded monthly. Choose to receive interest disbursements on a monthly or yearly basis (on the anniversary date of the account opening) based on the schedule that works best for you. You can also change the account that receives the disbursement at any time.

  • Multiple accounts

    While you can't add money to an existing CD account, you can open additional CDs. But don’t worry–you can open up to 50 of them at once.

  • Early withdrawal

    You can always decide to withdraw your money early. However, like with any CD account, there is a penalty for withdrawal prior to the end of your CD term. For 12 month CD accounts (or less), the penalty for withdrawing early is 3 months of interest. For CD accounts longer than 12 months, the penalty for withdrawing early is 6 months of interest.

  • Can I add beneficiaries to a 360 CD account?

    Yes. You can assign up to 10 individuals as Payable on Death beneficiaries, which means that while you’re alive, the beneficiaries won’t have access to anything in the account. The only exception is that you cannot assign beneficiaries for a Trust account, where the trustee controls funds for another party. Assigning beneficiaries can give you peace of mind and can result in increased FDIC coverage for your accounts up to allowable limits. There are 2 ways that you can manage beneficiaries for you accounts.

See what other Capital One customers are saying.

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“[With Capital One], I was able to save for a house, tucked away where I didn't see it but could watch it grow. It's helped me make my house a home.”

Laura S., Belleville, IL
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“I use [Capital One] to better manage savings for future projects and expenses. It also makes me think twice before using it before it’s time.”

Sharon S., Mission Viejo, CA
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“Having this account helped me save for my daughter’s wedding. It helped me set goals, it’s easy to use, and I just loved it. Forever a Capital One customer!”

Mindi R., Hemet, CA

Web access is needed to use mobile banking. Check with your service provider for details on specific fees and charges. Routine or unscheduled maintenance may impact accessibility. Mobile Deposits are available only in the U.S. and U.S. Territories.

For certain banking products we offer, fees assessed at any ATM within the United States and at some ATMs located outside the United States will be reimbursed within 5 business days, up to $15 per statement period.

Questions? Get real answers, from real people.

Phone, social media, Morse code (okay maybe not Morse code). Talk to a Capital One associate today–no SOS required.

Learn more about banking with us.