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Capital One 360 CD review
Best for: CD ladder builders who want strong rates across many terms.
Capital One's 1-year CD pays 4.00% — a top-tier 1-year rate — with $0 to open and nine term lengths (6 months to 5 years) that make laddering easy.
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to each provider's own site, except the Marcus savings link, which is a personal referral link:
if you open a Marcus Online Savings Account through it, you earn an extra 1.00% APY for 3 months
(per Marcus's referral terms) and the site's publisher earns the same rate boost on his account.
See our full disclosure.
APY
4.00%
Minimum to open
$0
Minimum to earn APY
$0
Monthly fee
$0
FDIC insured
Yes
CD terms: 12-month term at 4.00% APY. Nine terms from 6 months to 5 years. Early-withdrawal penalty capped at 6 months' interest even on the longest terms.
Rate note: 12-month term. Also 3.50% on 3-year and 3.60% on 5-year (NerdWallet, Sep 2026).
Limited-time: Capital One is also running an 11-month CD at 4.50% (rates checked November 1, 2026).
Standout features
- 4.00% 1-year APY with $0 minimum to open.
- Nine term lengths make CD laddering straightforward.
- Early-withdrawal penalty capped at 6 months' interest, even on 5-year terms — gentler than many banks.
Honest drawbacks
- No no-penalty or bump-up CD options.
- Must be opened online.
- Rate is fixed for the term.
Open an account at Capital One →
Link goes directly to Capital One's own site. Rates verified November 2026. Banks change APYs without notice — confirm the current rate on the provider's site before opening an account.
Sources
- Capital One 360 CDs (official) (checked Sep 2026)
- NerdWallet: Capital One bank review (Sep 2026) (checked Sep 2026)
Keep comparing
Synchrony High Yield CD
Best for: Rate chasers who want a top-tier 1-year CD yield with $0 minimum
APY: 4.30%