APY Ledger

Capital One CD Rates — October 2026

Also known as Capital One 360, Capital One Bank, Discover Bank.

As of October 22, 2026, Capital One's highest CD rate is 4.40% APY on an 11-month promotional CD. That is 2.5 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.30% to 4.00% APY.

Last verified from www.capitalone.com · FDIC-insured bank · McLean, VA

Tracking began .

Best APY4.40%11 months
vs. Treasury−0.14%same-term Treasury 4.54%
vs. national average2.5×FDIC national average 1.76%
After inflation0.66%CPI 3.7% year over year
$10,000 earns$403over 11 months, before tax

Capital One CD rates

Available online to U.S. residents in every state. Capital One acquired Discover in 2025; Discover's CD links now lead to Capital One's CD page.

Capital One CD rates
TermProductMinimumAPYvs. Treasury
6 months 360 CD Not stated 3.30%Verified October 22, 2026 −1.10%
9 months 360 CD Not stated 3.75%Verified October 22, 2026 −0.73%
11 months 360 CD Promotional Not stated 4.40%Verified October 22, 2026 −0.14%
12 months 360 CD Not stated 4.00%Verified October 22, 2026 −0.57%
18 months 360 CD Not stated 3.60%Verified October 22, 2026 −1.12%
24 months 360 CD Not stated 3.50%Verified October 22, 2026 −1.37%
30 months 360 CD Not stated 3.50%Verified October 22, 2026 −1.41%
36 months 360 CD Not stated 3.50%Verified October 22, 2026 −1.45%
48 months 360 CD Not stated 3.50%Verified October 22, 2026 −1.48%
60 months 360 CD Not stated 3.60%Verified October 22, 2026 −1.41%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

Watch the renewal rate

The best promotional rate here is 4.40% APY (11 months). The standard rate for a similar term is 4.00% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $40 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal

What are Capital One's best CD rates by term?

Capital One's best rate is 4.40% APY on 11 months, verified October 22, 2026.

  1. 6 mo3.30%
  2. 9 mo3.75%
  3. 11 mo4.40%
  4. 12 mo4.00%
  5. 18 mo3.60%
  6. 24 mo3.50%
  7. 30 mo3.50%
  8. 36 mo3.50%
  9. 48 mo3.50%
  10. 60 mo3.60%

Calculate earnings at 4.40% for 11 months

How Capital One compares

Rate changes

No changes since we started tracking Capital One on October 22, 2026.

About Capital One

Legal name
Capital One, National Association
Regulator ID
FDIC 4297
Headquarters
McLean, VA
Available in
All states (online)
Total assets
$662.2 billion
Also known as
Capital One 360, Capital One Bank, Discover Bank
Website
www.capitalone.com

Source: rates read from https://www.capitalone.com/bank/cds/online-cds/. See the page text we read.

Frequently asked questions

What is the highest CD rate at Capital One?

4.40% APY on an 11-month promotional CD, as of October 22, 2026.

How does Capital One's best CD rate compare with Treasury yields?

4.40% APY is −0.14% versus the 11-month Treasury yield of 4.54% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.40% a good CD rate?

It is 2.5 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are Capital One CDs insured?

Capital One is an FDIC-insured bank (FDIC 4297). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check Capital One's rate page every day. The rates above were last verified on October 22, 2026.

More bank CD rates

Rates are copied from Capital One's website and may change at any time. Confirm terms, minimums and eligibility with Capital One before opening an account. This page is not financial advice.