Rate checked November 8, 2026 (today)
Capital One money market rate: 3.20% APY
Capital One's money market account pays 3.20% APY. That ranks 13th of the 18 banks we track for this account. The best is 4.05% at CFG Bank.
- APY
- 3.20%
- Last change
- Up 0.10 pts
- Oct 22, 2026
- Last checked
- today
- Nov 8, 2026
- Minimum deposit
- None
What it earns on $25,000
At 3.20%, $25,000 earns about $800 in a year.
The best rate earns about $1,013 on the same money. Choosing Capital One instead gives up about $213 a year.
The middle rate across 18 banks is 3.50%. Capital One lists a no minimum to open. Figures are one year of interest at today's rate, before taxes. Rates can change at any time.
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Capital One money market account rate over time
- All-time high
- 3.20%Oct 22, 2026
- All-time low
- 3.00%Aug 16, 2026
- Changes
- 2
- Tracked since
- Aug 16, 2026
High and low cover the history we hold (the last two years at most), not the whole life of the account.
Capital One money market account rate history
This rate has changed 2 times since we began tracking it on August 16, 2026.
| Date | APY | Change |
|---|---|---|
| October 22, 2026 | 3.20% | +0.10 pts |
| October 2, 2026 | 3.10% | +0.10 pts |
| August 16, 2026 | 3.00% | First tracked |
Banks that pay more
- CFG Bank4.05%
- Zynlo Bank4.05%
- Bank5 Connect4.00%
Other Capital One rates
Questions
What is Capital One's money market account rate?
Capital One pays 3.20% APY on its money market account, based on its own rate page when we last checked. That earns about $800 a year on $25,000.
Is Capital One's money market account rate good?
It is 13th of the 18 banks we track for this account. The best tracked rate is 4.05% at CFG Bank, and the middle rate is 3.50%. On $25,000, the best rate earns about $213 a year more.
Which banks pay more than Capital One?
CFG Bank (4.05%), Zynlo Bank (4.05%), Bank5 Connect (4.00%) pay more for this account. Rates change often, so check the bank's own page before you open one.
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General information only. These rates are tracked from public pages, so confirm the rate, fees and requirements with the bank before you open an account. SwitchWize is not a bank and does not give financial advice.