Certificate of happily ever after.

Start saving today for a better tomorrow with a Capital One® 360 CD.

Find the right CD term for you.

What you can expect from your 360 CD.

Online-only CDs mean only more chances to save.

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.

Max Value: $1,000,000

CD Term Annual Percentage Yield (APY)

Total Earnings After Term Ends

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 rates are fixed upon opening the account. Early withdrawal penalties apply.

Read Disclosures

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. Actual earnings may vary.

“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.

Are online CDs safe?

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

How do bank CDs work?

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, 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, but once your term is over, you receive guaranteed returns. 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 will I earn on a CD?

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 to see how much you can earn. You can use a CD rate calculator to see how much you will earn at the end of your term.

How much money do you need to open a CD?

Capital One 360 CDs have no minimum to open an account, but in order to open the account, you will have to make a deposit. You can choose to add whatever amount is right for you.

Can I add money to my existing CD?

While you can't add money to an existing 360 CD account, you can open additional CDs. But don’t worry—you can open up to 50 of them at once.

Can I withdraw my money before the CD term is over?

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. You also cannot make a partial withdrawal during your CD term.

Can you open a CD online?

Yes, Capital One 360 CDs are online-only CDs.

What is the difference between a CD and savings account?

Similar to a 360 Savings account, 360 CDs are savings vehicles that allow you to deposit money and earn interest. However, unlike a 360 Savings account, with a 360 CD, you deposit money for a specific amount of time, called a term, and you agree not to access your money until the term has ended. In exchange for agreeing not to access your money, CDs usually offer a higher savings interest rate than typical savings accounts. Another difference is that 360 CD rates are fixed during the term, whereas 360 Savings account rates are variable and subject to change.

Do CDs pay monthly?

Capital One 360 CD interest is accrued daily and is compounded and credited to your CD account monthly. Choose to receive CD 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 choose to receive interest payments by transfer to another Capital One account or by transfer to an external linked account. You can change the account that receives the disbursement at any time.

Can I add beneficiaries to a 360 CD savings 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 certificate of deposit 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 CD accounts up to allowable limits. There are 2 ways that you can manage beneficiaries for your CD accounts.

See what other Capital One customers are saying.

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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.

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