Rates updated · 71 banks tracked
Capital One CD rates: 4.00% APY best term
Capital One’s best tracked CD pays 4.00% across 6 terms — ranking in the lower half of the 71 banks SwitchWize tracks CD rates for, where the best available rate is 5.00%. (Updated October 26, 2026.)
Capital One CD rates today, by term
| Term | APY |
|---|---|
| 6 months | 3.30% |
| 1 year | 4.00%Best |
| 18 months | 3.60% |
| 2 years | 3.50% |
| 3 years | 3.50% |
| 5 years | 3.60% |
Is Capital One a good CD rate? Not really. At 4.00% its best CD trails the 5.00% best available tracked rate, leaving about $250 a year on the table on a $25,000 deposit.
The gap, in your dollars
At 4.00%, $25,000 earns $1,000/yr here versus $1,250/yr at the field leader — a $250/yr difference.
See your exact number →Higher-paying CD alternatives we track
Rates subject to change. Verify before opening a CD.
Frequently asked questions
What is Capital One's best CD rate?▾
Capital One's best tracked CD rate is 4.00% APY as of October 26, 2026, across 6 terms SwitchWize tracks for this bank.
Is Capital One's CD rate good?▾
Capital One's best CD rate ranks in the lower half of tracked banks. The best available tracked rate is 5.00% and the FDIC national savings average is 0.38%.
Which banks pay more than Capital One on CDs?▾
Higher-paying tracked options include banesco usa, valley, zynlo. Compare rates at /cds to find the best current option.
General information only. Rates change frequently; verify directly with the institution before making financial decisions. SwitchWize is not a bank and does not provide financial advice.