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Capital One CD Rates for April 2023

Kevin Payne
By: Kevin Payne

Our Banking Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

Capital One CDs offer great rates without the burden of meeting deposit requirements. Because their APYs are respectable even for low deposit amounts, they're great choice for savers who are just starting out with CDs. Learn more about Capital One CD rates and how they stack up against the competition in this Capital One CD review.

Capital One CD review

Capital One CDs are an excellent way to pursue savings goals. Below, we'll review the details you need to know to see if this is the right option for you.

360 CD® accounts



  • Below average APYs on some term lengths

Capital One 360 CD® accounts offer a diverse range of terms from six months to five years. 360 CD® accounts have no minimum deposit requirements. That makes them a great choice if you don't have a lot of funds to invest in a CD. Like most banks, Capital One doesn't charge monthly fees on CDs. Other banks offer higher rates, but Capital One is still a top option to consider.

RELATED: What is CD Laddering? See if this is the right strategy for your portfolio.

Other Capital One CD accounts

Capital One also offers the following CD accounts:

  • 360 IRA CD®

Compare Capital One CD rates

Capital One CDs consistently rank among the best CDs but rarely offer the highest rates.  Compare CD rates below to find the right CD account for your needs.

Rates as of March 27, 2023
Logo for Discover High Yield CD
Member FDIC.
Logo for Marcus by Goldman Sachs High Yield CD
Member FDIC.
Logo for CIT Bank CD
Member FDIC.
Account Discover High Yield CD Marcus by Goldman Sachs High Yield CD CIT Bank CD
5 Yr. 4.10% 3.80% 0.50%
4 Yr. 4.10% 4.00% 0.50%
3 Yr. 4.30% 4.00% 0.40%
2 Yr. 4.30% 4.35% 0.40%
1.5 Yr. 4.75% 4.75% 4.60%
1 Yr. 4.50% 4.40% 0.30%
6 Mo. 3.40% 3.75% 4.15%
Min. Deposit $2,500 $500 $1,000
Early Withdrawal Penalty Yes Yes Yes
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