# Capital One CD rates

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.

Canonical page: https://apyledger.com/cd-rates/capital-one
Institution: Capital One, National Association (FDIC 4297)
Aliases: Capital One 360, Capital One Bank, Discover Bank
Status: live
Last verified: 2026-10-22T05:10:51.000Z (October 22, 2026)
Official source: https://www.capitalone.com/bank/cds/online-cds/
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 360 CD | standard | 6 months | Not stated | 3.30% | Not ZIP-priced | −1.10% | 2026-10-22T05:10:51.000Z | [Snapshot 136](https://apyledger.com/snapshots/136) |
| 360 CD | standard | 9 months | Not stated | 3.75% | Not ZIP-priced | −0.73% | 2026-10-22T05:10:51.000Z | [Snapshot 136](https://apyledger.com/snapshots/136) |
| 360 CD | promotional | 11 months | Not stated | 4.40% | Not ZIP-priced | −0.14% | 2026-10-22T05:10:51.000Z | [Snapshot 136](https://apyledger.com/snapshots/136) |
| 360 CD | standard | 12 months | Not stated | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T05:10:51.000Z | [Snapshot 136](https://apyledger.com/snapshots/136) |
| 360 CD | standard | 18 months | Not stated | 3.60% | Not ZIP-priced | −1.12% | 2026-10-22T05:10:51.000Z | [Snapshot 136](https://apyledger.com/snapshots/136) |
| 360 CD | standard | 24 months | Not stated | 3.50% | Not ZIP-priced | −1.37% | 2026-10-22T05:10:51.000Z | [Snapshot 136](https://apyledger.com/snapshots/136) |
| 360 CD | standard | 30 months | Not stated | 3.50% | Not ZIP-priced | −1.41% | 2026-10-22T05:10:51.000Z | [Snapshot 136](https://apyledger.com/snapshots/136) |
| 360 CD | standard | 36 months | Not stated | 3.50% | Not ZIP-priced | −1.45% | 2026-10-22T05:10:51.000Z | [Snapshot 136](https://apyledger.com/snapshots/136) |
| 360 CD | standard | 48 months | Not stated | 3.50% | Not ZIP-priced | −1.48% | 2026-10-22T05:10:51.000Z | [Snapshot 136](https://apyledger.com/snapshots/136) |
| 360 CD | standard | 60 months | Not stated | 3.60% | Not ZIP-priced | −1.41% | 2026-10-22T05:10:51.000Z | [Snapshot 136](https://apyledger.com/snapshots/136) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.