Today's Top
Annuity Rates

2 Year

3 Year

6.30% Simple
5 Year

10 Year

Capital One Rates CD Rates Reviewed

Capital One Rates

Capital One CD Rates

Capital One Bank provides personal savings accounts including competitive CD rates, money market accounts, and savings accounts. In this Capital One CD Rates Review, I will compare Capital One CD rates, savings account, and money market rates to other top bank rates in the United States as well as to CD Type annuity rates.

Table of Contents

Capital One CD Rates

CD TermAPYMinimum
6 Month CD3.30%$0
9 Month CD0.10%$0
12 Month CD4.15%$0
18 Month CD4.25%$0
24 Month CD4.30%$0
30 Month CD0.25%$0
36 Month CD0.60%$0
48 Month CD4.20%$0
60 Month CD4.10%$0

Annual Percentage Yields (APY) are variable and effective as of 5/10/2023. CD rates are fixed upon opening the account. Early withdrawal penalties apply. The above terms are offered at this time and are subject to change.

Calculations are based on interest that is accrued daily but paid and compounded monthly through the CD term. Calculations assume 30 days per month and that monthly interest is reinvested in the CD and results in the above table are rounded to the nearest dollar. Actual earnings may vary.

Capital One 360 Savings Account Rates

Capital One 360 Performance Savings is a high-yield, fee-free savings account you can open in about 5 minutes.

TypeMinimum BalanceAPY
360 Savings Account$0.010.40%

APY = Annual Percentage Yield 

There is no minimum balance to open the disclosed rate.

Capital One Checking Account Rates

TypeMinimum BalanceAPY
360 Checking Account$0.010.40%

Web access is needed to use mobile banking. Check with your service provider for details on specific fees and charges. Routine or unscheduled maintenance may impact accessibility. Mobile deposits are available only in the U.S. and U.S. territories.

CDs vs Fixed Annuity

A multi-year guaranteed annuity (MYGA) is essentially a CD that is issued by an insurance company rather than a bank. The table below compares and contrasts some of the key differences and similarities between the two.

Issued ByInsurance CompaniesBanks
Investment Amount$2,000 - $1,000,000Essentially Any Amount
Investment Term2 years - 10 years3 months - 5 years
Interest Rates (APY)Varies by product.Varies by bank, term and investment amount.
LiquidityUsually, 10% annually or interest earned.Almost always accumulated interest.
GuaranteesBacked by Insurer & State Guaranty Associations.Backed by the FDIC.
Death BenefitMay avoid probate.Probate process required.

Today's Best Guaranteed Annuity Rates

Fixed annuity rates are guaranteed for a set number number of years.

TermInsurerRateAnnuity AM BestApplication
2 Years Americo annuity logo
5.35%Platinum Assure 2AApply
3 YearsSecurity sentinel life logo
Sentinel Security
5.90%Personal ChoiceB++Apply
4 Years Americo annuity logo
5.50%Platinum Assure 4AApply
5 Years Ibexis annuity logo
6.30% SimpleMYGA PlusA-Apply
6 Years Nassau logo
7 Years Ibexis annuity logo
6.50% SimpleMYGA PlusA-Apply
8 Years Equitrust annuity logo
5.50%Certainty SelectB++Apply
9 YearsAmerican national annuity logo
American National
5.35%Palladium MYGAAApply
10 Years Equitrust annuity logo
5.60%Certainty SelectB++Apply

Today's Top CD Rates

3 Month CD Rates

Best 3-Month CD RatesAPYTermMinimum
Signature Federal Credit Union5.55%3 Months$500
Ponce Bank5.40%3 Months$1
Western Alliance Bank5.41%3 Months$1

12 Month CD Rates

All In Credit Union5.85% APY12 Months$100,000
My eBanc5.77% APY12 Months$100,000
State Bank of Texas5.75% APY12 Months$50,000

2 Year CD Rates

Luana Savings Bank5.68% APY24 Months$100,000.00
Maple Mark Bank5.40% APY24 Months$25,000.00
Crescent Bank5.35% APY24 Months$1,000.00

3 Year CD Rates

Valley National Bank5.60%36 Months$500
Bread Savings4.95%36 Months$1,500
The State Exchange Bank4.70%36 Months$1

4 Year CD Rates

Bread Savings4.75%48 Months$1
The State Exchange Bank4.50%48 Months$1
Barclays4.45%48 Months$1

5 Year CD Rates

Farmers Insurance5.00%60 Months$1,000
Schools First Credit Union4.75%60 Months$100,000
Bread Savings4.75%60 Months$1,500

Key Take-Aways

A certificate of deposit is very similar to a fixed annuity. If you are looking for a safe and steady way to grow your retirement savings you can learn more about fixed CD Type Annuities here.

If you would like a personalized annuity quote you can contact us or use one of our fixed annuity calculators to see how much an annuity would pay you.

Frequently Asked Questions

While not FDIC insured, State Guaranty Associations provide a safety net for their state’s annuity policyholders. These Guaranty Associations guarantee policyholders continue to receive coverage (up to the limits spelled out by state law) even if their insurer is declared insolvent. Source: “Learn to Invest, Investment Types, Annuities, Fixed Annuities.”  Financial Industry Regulatory Authority (FINRA).  Visit FINRA’s Fixed Annuities Webpage

You can not lose money in a fixed annuity. However, guarantees are backed by the claims-paying ability of the issuing insurance company so it is important to consider an insurer’s financial rating when shopping for an annuity.

Fixed Annuities do not have any fees or expenses unless you add an additional rider that was not mentioned on this page.

Capital One Contact Information

Capital One Phone Numbers
Customer Service Phone Number: 1-877-383-4802   Small Business Customer Service Phone Number 1-888-755-2172

Credit Card Payment Mailing Address:

Capital One
Attn: Payment Processing
PO Box 71083
Charlotte, NC 28272-1083

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