Source: https://www.capitalone.com/bank/cds/online-cds/
Read: 2026-10-22T05:10:51.000Z

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4.40% APY with an 11-month 360 CD
Enjoy guaranteed returns on your money—lock in a special rate today.1
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Introduction
How CDs work
Benefits
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Why CDs?
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4.40 % APY
Special 11-month CDs
4.40% Annual Percentage Yield (APY)
4.00 % APY
1-year online CDs
4.00% Annual Percentage Yield (APY)
3.60 % APY
5-year online CDs
3.60% Annual Percentage Yield (APY)
How does a CD work?
With a certificate of deposit (CD) account, you earn a fixed rate for the entire term—unlike traditional savings accounts, which have variable rates that can change.
STEP 1
Open a CD
Choose from one of the available CD rates and terms that fits your financial goals.
STEP 2
Watch your money grow
Your CD savings will earn interest at a high, fixed rate until your CD matures (the term ends).
STEP 3
Renew or transfer
When your CD matures, renew it to keep saving or transfer your funds to another account.
For more details, see FAQ: “What happens when a CD reaches maturity?”
SAFE, SECURE & SET TO EARN
Guaranteed returns
No market risk
FDIC-insured
Earn more money with a guaranteed return
Your money will earn interest at a fixed rate over the term of your CD’s account.
LIVE LIFE ON YOUR OWN TERMS
Compare high-interest CD rates and calculate what you could earn
Enter your deposit amount and see how your interest grows based on your commitment.
Enter your deposit amount
$
CD TERM | ANNUAL PERCENTAGE YIELD (APY) | EARNINGS
6 Months | 3.30% | $82
9 Months | 3.75% | $140
11 Months | 4.40% | $201
12 Months | 4.00% | $200
18 Months | 3.60% | $272
24 Months | 3.50% | $356
30 Months | 3.50% | $449
36 Months | 3.50% | $544
48 Months | 3.50% | $738
60 Months | 3.60% | $967
Read Disclosures
For a limited time, an 11-month 360 CD is available at our highest available CD rate for consumer accounts. All rates are variable and subject to change. CD rates are fixed upon opening the account.
Annual Percentage Yields (APY) are variable and effective as of 10/22/2026. CD rates are fixed upon opening the account. Early withdrawal penalties apply. The above terms are offered at this time and are subject to change. Some of the outlined CD terms may be available for a limited time.
Calculations are based on interest that is accrued daily but paid and compounded monthly through the CD term. Calculations assume 30 days per month and that monthly interest is reinvested in the CD. Results in the above table are rounded to the nearest dollar. Actual earnings may vary and may be lower if the account is subject to backup withholdings.
Open a 360 CD account in about 5 minutes
You’ll enjoy guaranteed returns with a high fixed rate. And there’s zero market risk.
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Footnotes
Learn more about FDIC insurance coverage.
For more information, visit the full 360 CD account disclosures.
Annual Percentage Yields (APY) are variable and effective as of 10/22/2026. CD rates are fixed upon opening the account. Early withdrawal penalties apply. The above terms are offered at this time and are subject to change.
For a limited time an 11-month 360 CD is available at our highest available CD rate for consumer accounts. All rates are variable and subject to change. CD rates are fixed upon opening the account.
If you have a CD that was moved from Discover on or after January 18, 2026, and has not renewed for another term, please refer to the account disclosures that were provided to you when your accounts were moved, or call us with questions at 866-630-7953.
As of 10/22/2026, the advertised annual percentage yield (APY) for each certificate of deposit (CD) term is effective and applies to the entire account balance. The APY will remain fixed until the maturity date. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. 
We impose an early withdrawal penalty for both withdrawals made before the maturity date and after the 10-day grace period. Fees could reduce earnings.
360 CD accounts have no monthly cycle service charge and no minimum balance required to open or maintain the account.
The claims made regarding the competitiveness of our 360 CD account rates are based on Curinos Inc. national percentile data for CD accounts on balances of $5,000.
Compounding and crediting--Interest on your account will be compounded and credited on a monthly basis. Your account will only receive an interest posting if the amount earned during the month rounds to at least $0.01.
Grow your money - Experience may vary. Visit the 360 CD Account Disclosures for full details.
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