Capital One Certificate of Deposit
Review unavailable — insufficient data to make a recommendation.
Review unavailable — insufficient data to make a determination.
SwitchWize was unable to generate a meaningful competitive analysis for this Capital One 360 CD listing. The product page returned a 404 error, and no VERIFIED_APY was supplied for this entry. Without authoritative rate and feature data, any comparison against the current CD category average or ranking within our database would be speculative and potentially misleading to consumers. What we can note from macro context: the Fed Funds Rate sits at 3.63%, which continues to support above-average CD yields across the market. Historically, Capital One's 360 CDs have been competitive within the online-bank CD tier, with no minimum deposit requirements — a meaningful differentiator versus traditional banks. However, SwitchWize's editorial standards prohibit publishing rate figures, fee structures, or rankings without a verified source. We recommend consumers visit capitalone.com/bank/cds/online-cds/ directly to confirm current rates. This review will be updated automatically once our crawler retrieves a valid page response and rate confirmation.
Confirm the rate and term are still available. Review the early-withdrawal penalty in the fee schedule — it can erase months of interest.
Jun 13, 2026
SwitchWize Research Desk · methodology
- No monthly maintenance fee
- FDIC insured up to $250,000
| Term | APY |
|---|---|
| 6 months | 3.20% |
| 1 year | 3.90% |
| 1.5 years | 3.60% |
| 2 years | 3.50% |
| 3 years | 3.50% |
| 5 years | 3.60% |
Product page is currently unavailable. Visit capitalone.com/bank/cds/online-cds/ directly or call Capital One to open a 360 CD. SwitchWize will update this review once a valid page is accessible.
SwitchWize was unable to generate a meaningful competitive analysis for this Capital One 360 CD listing. The product page returned a 404 error, and no VERIFIED_APY was supplied for this entry. Without authoritative rate and feature data, any comparison against the current CD category average or ranking within our database would be speculative and potentially misleading to consumers. What we can note from macro context: the Fed Funds Rate sits at 3.63%, which continues to support above-average CD yields across the market. Historically, Capital One's 360 CDs have been competitive within the online-bank CD tier, with no minimum deposit requirements — a meaningful differentiator versus traditional banks. However, SwitchWize's editorial standards prohibit publishing rate figures, fee structures, or rankings without a verified source. We recommend consumers visit capitalone.com/bank/cds/online-cds/ directly to confirm current rates. This review will be updated automatically once our crawler retrieves a valid page response and rate confirmation.
What happens if I withdraw from a CD early?
Most CDs charge an early-withdrawal penalty — typically 60 to 150 days of interest depending on the term. Breaking a 12-month CD at month 3 with a 90-day penalty can reduce your effective yield to near zero. Always read the fee schedule before opening.
Is a CD FDIC insured?
Yes. Certificates of deposit at FDIC-member banks are insured up to $250,000 per depositor. The fixed rate and FDIC coverage make CDs one of the safest places to hold cash you can afford to leave untouched for the full term.
What is a CD ladder?
A CD ladder splits your savings across multiple CDs with staggered maturities — for example, 3-month, 6-month, and 12-month terms. As each CD matures, you reinvest at the current rate, giving you the higher rates of longer terms and regular access to a portion of your cash.
Can the CD rate change after I open it?
No. The APY on a standard CD is locked at the opening rate for the full term. This is the main advantage over a high-yield savings account: you know exactly what you will earn, regardless of future Fed rate cuts.
Rates are sourced from Bankrate and verified by SwitchWize. SwitchWize may earn a referral fee when you click through to a partner. Content is for informational purposes only and does not constitute financial advice. Verify current rates directly with the institution before opening an account.