Rate checked November 1, 2026

Capital One 5-year CD rate: 3.60% APY

Capital One's 5-year CD pays 3.60% APY. That ranks 23rd of the 62 banks we track for this term. The best is 5.00% at Popular Direct.

What it earns on $25,000

At 3.60%, $25,000 earns about $900 in the first year.

The best 5-year CD earns about $1,250 on the same money. Choosing Capital One instead gives up about $350 a year.

The middle 5-year rate across 62 banks is 3.00%. Figures are first-year interest at the quoted APY, before taxes.

Banks that pay more for a 5-year CD

Capital One CD rates for other terms

6-month3.30%
12-month4.00%
18-month3.60%
2-year3.50%
3-year3.50%

Questions

What is Capital One's 5-year CD rate?

Capital One pays 3.60% APY on its 5-year CD, based on its own rate page when we last checked. That earns about $900 a year on $25,000.

Is Capital One's 5-year CD rate good?

It ranks 23rd of the 62 banks we track for this term. The best rate for this term is 5.00% at Popular Direct, and the middle rate is 3.00%. Choosing Capital One over the best costs about $350 a year on $25,000.

Which banks pay more than Capital One on a 5-year CD?

Popular Direct (5.00%), Quorum Federal Credit Union (5.00%), Sallie Mae Bank (5.00%).

All Capital One CD rates Best 5-year CD rates CD rates today Early withdrawal cost

General information only. Rates change often; confirm the rate, minimum deposit and early withdrawal penalty with the bank before you open a CD. SwitchWize is not a bank and does not give financial advice.