Certificate of happily ever after.

Start saving today for a better tomorrow.

Let competitive rates do the savings for you.

What you can expect from your 360 CD.

Online-only means 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

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 product 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.

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.

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.

Questions? Get real answers, from real people.

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