Capital One CD Rates (November 2026) & Calculator
Capital One pays up to 4.50% APY on an 11-month CD. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.
Capital One CD rates (Nov 3, 2026)
Every CD term Capital One lists on its website, with what $10,000 earns over the full term.
| Term | Product | Minimum | APY | $10,000 earns |
|---|---|---|---|---|
| 6 months | 360 CD | None | 3.30% | $163.66 |
| 9 months | 360 CD | None | 3.75% | $279.95 |
| 11 months | 360 CDSpecial | None | 4.50% | $411.74 |
| 1 year | 360 CD | None | 4.00% | $400.00 |
| 18 months | 360 CD | None | 3.60% | $544.83 |
| 2 years | 360 CD | None | 3.50% | $712.25 |
| 30 months | 360 CD | None | 3.50% | $898.10 |
| 3 years | 360 CD | None | 3.50% | $1,087.18 |
| 4 years | 360 CD | None | 3.50% | $1,475.23 |
| 5 years | 360 CD | None | 3.60% | $1,934.35 |
Special is a promotional rate. Relationship needs a linked account at Capital One. A dash means the same APY as the opening balance. The highlighted row is Capital One's top rate.
Source: Capital One CD rates. Rates change often; confirm before you open an account.
Capital One vs the national average
The FDIC national average is what banks and credit unions pay on average, weighted by deposits (Oct 19, 2026). The last column is the best rate among the 8 other banks we track for the same term.
| Term | Capital One | National avg | Best other bank |
|---|---|---|---|
| 6 months | 3.30% | 1.39% |  Ally 4.00% |
| 9 months | 3.75% | 1.39% (6 mo) |  Marcus 4.30% |
| 11 months | 4.50% | 1.76% (12 mo) |  Wells Fargo 4.25% (relationship) |
| 1 year | 4.00% | 1.76% | Ally 4.50% |
| 18 months | 3.60% | 1.76% (12 mo) | Ally 4.50% |
| 2 years | 3.50% | 1.55% | Marcus 4.40% |
| 30 months | 3.50% | 1.55% (24 mo) |  Chase 2.00% (relationship) |
| 3 years | 3.50% | 1.39% | Marcus 4.40% |
| 4 years | 3.50% | 1.31% | Marcus 4.40% |
| 5 years | 3.60% | 1.41% | Ally 4.50% |
Capital One CD early withdrawal penalty
| Term | Penalty |
|---|---|
| 12 months or shorter | 3 months of interest |
| More than 12 months | 6 months of interest |
Example: $10,000 in a 1-year CD at 4.00%, withdrawn after 6 months, has earned $198.04. The penalty is $98.06, so you would get $10,099.98.
From the 360 CD account disclosures. The penalty can be more than the interest earned. Official disclosure (checked 2026-11-04).
How We Calculate & Keep This Accurate
Maturity value is your deposit grown at the APY for the term: A = P × (1 + APY)^(months ÷ 12). The APY for each term is the highest balance tier your deposit qualifies for. Early withdrawal penalties are charged as simple interest on the deposit at the CD's interest rate (the APY converted to its daily rate), following Capital One's published rule for that term.
Rates come from Capital One's own rate page. We use the APY Ledger dataset (CC BY 4.0) to spot rate changes, and we checked a sample of rates and the penalty rules against Capital One's website and disclosures. Results are estimates, not an offer from the bank.
Primary Sources
Data & Freshness
Figures reflect 2026 tax-year data.
Last updated November 3, 2026 · Maintained by the Financial Calculator editorial team.
Capital One CD FAQs
Quick answers about Capital One CD rates and penalties.
What are Capital One's CD rates today?
How much will $10,000 earn in a Capital One 11 months CD?
What is Capital One's CD early withdrawal penalty?
Are Capital One CDs insured?
How do Capital One's rates compare with the national average?
CD rates at other banks
Top APY at each bank for a $10,000 deposit.
- Chase CD ratesup to 3.50%
- Wells Fargo CD ratesup to 4.25%
- Citi CD ratesup to 4.25%
- Ally CD ratesup to 4.50%
- Marcus CD ratesup to 4.40%
- U.S. Bank CD ratesup to 3.50%
- Navy Federal CD ratesup to 4.35%
- PenFed CD ratesup to 3.50%
- CD calculator (any bank)