11-month 360 CD

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Get guaranteed returns on your money with a
Capital One 360 CD.


Why choose a 360 CD?

A CD, or certificate of deposit, is an account that grows your money with fixed interest for a set amount of time, called a term.

Guaranteed returns

Since your money grows at a fixed, predictable rate, you’ll get a guaranteed return. You decide when your interest is paid out—monthly, annually or at the end of the term.

No minimums

There’s no minimum balance required to open a 360 CD account. So deposit what works best for you.


Your Capital One 360 CD balance will be insured up to allowable limits. Your money is safe at Capital One Bank.

Frequently Asked Questions

A special CD, or a promotional CD, is a certificate of deposit that’s typically offered for a limited time. A special CD allows you to save money, usually at a higher fixed rate than a standard CD term, for a set amount of time.

CDs might sometimes be overlooked because of their lack of flexibility, but an 11-month CD offers a special term length that allows you to save without tying up your money for an entire year. With a fixed rate and guaranteed returns, you’ll know exactly how much interest you’ll earn at the end of the 11-month term—getting you one step closer to achieving your short-term financial goals.

Depending on your savings goals, short-term CDs can be a great option for saving money. They require less of a time commitment, meaning your money isn’t tied up for long periods of time. Want to save (and earn) some extra money to put towards next year’s vacation? Or, maybe you want to save up for the next smartphone release? If so, a short-term CD may be right for you.

Capital One 360 CD accounts offer you a place to keep your money for a fixed period 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.

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

In order to receive the advertised annual percentage yield (APY) of 5.00% for each 11-month certificate of deposit (CD) opened, the product must be opened between 12:01 a.m. ET on February 2, 2023 and 11:59 p.m. ET on March 14, 2023. 

The APY for each certificate of deposit (CD) term applies to the entire account balance. The APY will remain fixed until the maturity date.

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principle in the account each day. Interest on your account will be compounded and credited on a monthly basis. We impose an early withdrawal penalty for both withdrawals made before the maturity date and after the 10-day grace period. Fees could reduce earnings.

Questions? Give us a buzz at 1-800-289-1992 to talk to a real person. We’re here 7 days a week, 8 a.m. —11 p.m. ET.