Capital One vs Citi CD Rates (November 2026)

On a 1-year CD, $10,000 earns $20.00 more at Capital One than at Citi. The full term-by-term breakdown is below.

Capital One rates checked Nov 7, 2026Citi rates checked Nov 6, 2026FDIC / FDIC insured

Updated Nov 7, 2026

The verdict: Capital One vs Citi

Capital One pays the higher APY on 9 of the 9 terms both banks offer for a $10,000 deposit. Citi leads on 0.

At the headline 1 year term, Capital One pays 4.45% APY against 4.25% at Citi, a $20.00 difference on $10,000. Each bank's best offer right now: Capital One pays up to 4.45% (1 year) and Citi up to 4.25% (1 year).

The rate is only half the decision. Capital One and Citi 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 Citi 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.

Capital One and Citi CD rates by term for a $10,000 deposit
Term	Capital One	Citi	Better pick
3 months	–	0.05%	–
4 months	–	2.00%	–
5 months	–	2.50%	–
6 months	3.30%	2.00%	Capital One
7 months	–	4.00%	–
8 months	–	2.00%	–
9 months	3.75%	2.00%	Capital One
10 months	–	0.05%	–
11 months	–	0.05%	–
1 year	4.45%	4.25%	Capital One
13 months	–	2.00%	–
14 months	–	0.10%	–
15 months	–	2.00%	–
18 months	3.60%	2.00%	Capital One
2 years	3.50%	2.00%	Capital One
30 months	3.50%	0.50%	Capital One
3 years	3.50%	2.00%	Capital One
4 years	3.50%	2.00%	Capital One
5 years	3.60%	2.00%	Capital One

Sources: Capital One CD rates (checked Nov 7, 2026) and Citi CD rates (checked Nov 6, 2026).

What $10,000 earns at each bank

Interest over the full term at the rates above, on the 9 terms both banks offer.

Interest earned on $10,000 at Capital One vs Citi, by term
Term	Capital One earns	Citi earns	Difference
6 months	$163.66 at 3.30%	$99.50 at 2.00%	Capital One +$64.16
9 months	$279.95 at 3.75%	$149.63 at 2.00%	Capital One +$130.32
1 year	$445.00 at 4.45%	$425.00 at 4.25%	Capital One +$20.00
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%	$125.47 at 0.50%	Capital One +$772.63
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.

1 year CD interest at Capital One vs Citi, by deposit size
Deposit	Capital One earns	Citi earns
$1,000	$44.50 at 4.45%	$42.50 at 4.25%
$10,000	$445.00 at 4.45%	$425.00 at 4.25%
$25,000	$1,112.50 at 4.45%	$1,062.50 at 4.25%
$100,000	$4,450.00 at 4.45%	$4,250.00 at 4.25%

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

Capital One and Citi early withdrawal penalties by term
Term	Capital One	Citi
12 months or shorter	3 months of interest	–
More than 12 months	6 months of interest	–
1 year or less	–	90 days of interest
More than 1 year	–	180 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 Citi charges $102.63 (you keep $10,107.65). At Capital One the penalty can reach your principal. At Citi the penalty can reach your principal.

Rules verified against each bank's disclosure (Capital One: checked 2026-11-04; Citi: checked 2026-11-04). Model your own deposit and withdrawal date on the CD early withdrawal penalty calculator.

More CD comparisons

All CD bank comparisons · Capital One CD calculator · Citi CD calculator · CD ladder calculator

Capital One vs Citi CD FAQs

Quick answers comparing Capital One and Citi CDs.

Which pays more, Capital One or Citi?

Capital One pays the higher APY on 9 of the 9 terms both banks offer for a $10,000 deposit. Citi leads on 0. On a 1-year CD, $10,000 earns $445.00 at Capital One (4.45%) and $425.00 at Citi (4.25%). Rates were checked Nov 7, 2026 for Capital One and Nov 6, 2026 for Citi and change often.

How much more does $10,000 earn at Capital One over 1 year?

Capital One pays $20.00 more interest than Citi on a $10,000 1 year CD (4.45% vs 4.25% APY). Bigger deposits widen the gap at the same APY, though balance tiers can change the rate each bank pays.

Capital One or Citi: which is better for a 5-year CD?

Capital One pays 3.60% APY and Citi pays 2.00% APY on a 5-year term, so $10,000 earns $1,934.35 at Capital One and $1,040.81 at Citi — a $893.54 difference. Long terms lock the rate in, so the early withdrawal penalty matters more: Capital One charges 3 months of interest and Citi charges 90 days of interest on that term.

Which has the lower early withdrawal penalty, Capital One or Citi?

On a 1-year CD withdrawn after 6 months, Capital One's penalty is $108.85 and Citi's is $102.63, from rules verified against each bank's disclosure. Capital One: 12 months or shorter: 3 months of interest; More than 12 months: 6 months of interest. Citi: 1 year or less: 90 days of interest; More than 1 year: 180 days of interest. Model your own deposit and withdrawal date on the CD early withdrawal penalty calculator.

Are Capital One and Citi CDs insured?

Capital One, N.A. is FDIC-insured (certificate #4297) and Citibank, N.A. is FDIC-insured (certificate #7213). Both cover deposits up to $250,000 per depositor, per institution, per ownership category, so a CD under that limit carries the same federal protection at either.

Are these the best CD rates available?

Not necessarily. The highest 1 year rate among the banks we track is 4.60% at Sallie Mae, versus 4.45% at Capital One and 4.25% at Citi. Check the CD rates by bank directory on the CD calculator page for the full list.

Sources and how we calculate

Rates come from each bank's own rate page (Capital One checked Nov 7, 2026, Citi checked Nov 6, 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.

Figures last checked on Nov 7, 2026. Read our calculation methodology for data sources and update schedule.