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
|6 Month CD||0.10%||$0|
|9 Month CD||0.10%||$0|
|12 Month CD||0.20%||$0|
|18 Month CD||0.25%||$0|
|24 Month CD||0.25%||$0|
|30 Month CD||0.25%||$0|
|36 Month CD||0.60%||$0|
|48 Month CD||0.65%||$0|
|60 Month CD||0.80%||$0|
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.
|360 Savings Account||$0.01||0.40%|
APY = Annual Percentage Yield
There is no minimum balance to open the disclosed rate.
Capital One Checking Account Rates
|360 Checking Account||$0.01||0.40%|
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 By||Insurance Companies||Banks|
|Investment Amount||$2,000 - $1,000,000||Essentially Any Amount|
|Investment Term||2 years - 10 years||3 months - 5 years|
|Interest Rates (APY)||Varies by product.||Varies by bank, term and investment amount.|
|Liquidity||Usually, 10% annually or interest earned.||Almost always accumulated interest.|
|Guarantees||Backed by Insurer & State Guaranty Associations.||Backed by the FDIC.|
|Death Benefit||May avoid probate.||Probate process required.|
Today's Best Guaranteed Annuity Rates
Fixed annuity rates are guaranteed for a set number number of years.
|5||Ibexis||Ibexis MYGA Plus||5.10%||A-|
|7||Atlantic Coast Life||Safe Harbor||4.72%||B++|
|10||Sentinel Security||Personal Choice||4.75%||B++|
Today's Top CD Rates
3 Month CD Rates
12 Month CD Rates
2 Year CD Rates
3 Year CD Rates
4 Year CD Rates
5 Year CD Rates
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
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
Credit Card Payment Mailing Address:
Attn: Payment Processing
PO Box 71083
Charlotte, NC 28272-1083