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Capital One vs Chase CD Rates (November 2026)
On a 1-year CD, $10,000 earns $395.00 more at Capital One than at Chase. The full term-by-term breakdown is below.
Updated Nov 7, 2026
The verdict: Capital One vs Chase
Capital One pays the higher APY on 9 of the 9 terms both banks offer for a $10,000 deposit. Chase leads on 0.
At the headline 1 year term, Capital One pays 4.45% APY against 0.50% at Chase, a $395.00 difference on $10,000. Each bank's best offer right now: Capital One pays up to 4.45% (1 year) and Chase up to 3.50% (8 months, relationship).
The rate is only half the decision. Capital One and Chase charge different penalties if you break the CD early — compared below — and Both are federally insured up to $250,000 per depositor, so safety is equal under the limit.
Capital One vs Chase CD rates by term
Best APY a $10,000 deposit can open at each bank, for every term either bank lists. A dash means the bank has no fundable offer at that term and deposit; we leave it blank rather than guess. "Rel." marks a relationship rate that needs a linked account.
| Term | Capital One | Chase | Better pick |
|---|---|---|---|
| 1 month | – | 0.02% (rel.) | – |
| 2 months | – | 0.50% (rel.) | – |
| 3 months | – | 0.50% (rel.) | – |
| 4 months | – | 1.75% (rel.) | – |
| 5 months | – | 0.50% (rel.) | – |
| 6 months | 3.30% | 2.25% (rel.) | Capital One |
| 7 months | – | 2.25% (rel.) | – |
| 8 months | – | 3.50% (rel.) | – |
| 9 months | 3.75% | 0.50% (rel.) | Capital One |
| 10 months | – | 1.50% (rel.) | – |
| 11 months | – | 2.50% (rel.) | – |
| 1 year | 4.45% | 0.50% (rel.) | Capital One |
| 13 months | – | 3.20% (rel.) | – |
| 14 months | – | 0.50% (rel.) | – |
| 15 months | – | 2.00% (rel.) | – |
| 18 months | 3.60% | 2.00% (rel.) | Capital One |
| 21 months | – | 2.00% (rel.) | – |
| 2 years | 3.50% | 2.00% (rel.) | Capital One |
| 30 months | 3.50% | 2.00% (rel.) | Capital One |
| 3 years | 3.50% | 2.00% (rel.) | Capital One |
| 42 months | – | 2.00% (rel.) | – |
| 4 years | 3.50% | 2.00% (rel.) | Capital One |
| 5 years | 3.60% | 2.00% (rel.) | Capital One |
| 7 years | – | 2.00% (rel.) | – |
| 10 years | – | 2.00% (rel.) | – |
Sources: Capital One CD rates (checked Nov 7, 2026) and Chase CD rates (checked Nov 7, 2026).
What $10,000 earns at each bank
Interest over the full term at the rates above, on the 9 terms both banks offer.
| Term | Capital One earns | Chase earns | Difference |
|---|---|---|---|
| 6 months | $163.66 at 3.30% | $111.87 at 2.25% | Capital One +$51.79 |
| 9 months | $279.95 at 3.75% | $37.48 at 0.50% | Capital One +$242.48 |
| 1 year | $445.00 at 4.45% | $50.00 at 0.50% | Capital One +$395.00 |
| 18 months | $544.83 at 3.60% | $301.50 at 2.00% | Capital One +$243.34 |
| 2 years | $712.25 at 3.50% | $404.00 at 2.00% | Capital One +$308.25 |
| 30 months | $898.10 at 3.50% | $507.52 at 2.00% | Capital One +$390.58 |
| 3 years | $1,087.18 at 3.50% | $612.08 at 2.00% | Capital One +$475.10 |
| 4 years | $1,475.23 at 3.50% | $824.32 at 2.00% | Capital One +$650.91 |
| 5 years | $1,934.35 at 3.60% | $1,040.81 at 2.00% | Capital One +$893.54 |
a 1-year CD earnings by deposit size
Balance tiers mean the APY can change with the deposit. This is what 1 year CDs pay at four deposit sizes.
| Deposit | Capital One earns | Chase earns |
|---|---|---|
| $1,000 | $44.50 at 4.45% | $5.00 at 0.50% |
| $10,000 | $445.00 at 4.45% | $50.00 at 0.50% |
| $25,000 | $1,112.50 at 4.45% | $125.00 at 0.50% |
| $100,000 | $4,450.00 at 4.45% | $500.00 at 0.50% |
A dash means that deposit does not qualify for the bank's 1 year offer (minimum opening deposit or a product cap).
Early withdrawal penalties compared
| Term | Capital One | Chase |
|---|---|---|
| 12 months or shorter | 3 months of interest | – |
| More than 12 months | 6 months of interest | – |
| Less than 6 months | – | 90 days of interest |
| 6 to 23 months | – | 180 days of interest |
| 24 months or more | – | 365 days of interest |
Example: break a 1-year $10,000 CD after 6 months and Capital One charges $108.85 (you keep $10,111.23) while Chase charges $24.60 (you keep $10,000.37). At Capital One the penalty can reach your principal. Chase caps the penalty at the interest earned.
Rules verified against each bank's disclosure (Capital One: checked 2026-11-04; Chase: checked 2026-11-04). Model your own deposit and withdrawal date on the CD early withdrawal penalty calculator.
Capital One vs Chase CD FAQs
Quick answers comparing Capital One and Chase CDs.
Which pays more, Capital One or Chase?
How much more does $10,000 earn at Capital One over 1 year?
Capital One or Chase: which is better for a 5-year CD?
Which has the lower early withdrawal penalty, Capital One or Chase?
Are Capital One and Chase CDs insured?
Are these the best CD rates available?
Sources and how we calculate
Rates come from each bank's own rate page (Capital One checked Nov 7, 2026, Chase checked Nov 7, 2026); penalty rules are verified against the banks' disclosures. Earnings grow the deposit at the APY, the same math the bank pages and calculators on this site use. Results are estimates, not an offer from either bank.
- Capital One — CD rates
- Chase — CD rates
- Capital One — early withdrawal disclosure
- FDIC: National Rates and Rate Caps
Figures last checked on Nov 7, 2026. Read our calculation methodology for data sources and update schedule.