Capital One Rates CD Rates Reviewed

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 CD0.10%$0
9 Month CD0.10%$0
12 Month CD0.20%$0
18 Month CD0.25%$0
24 Month CD0.25%$0
30 Month CD0.25%$0
36 Month CD0.60%$0
48 Month CD0.65%$0
60 Month CD0.80%$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.

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.

FIXED ANNUITYCD
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.

Today's Top CD Rates

3 Month CD Rates

BankRateMinimum Deposit To Open
Popular Direct4.05% APY $10,000.00
Citibank3.25% APY $500.00
America First Credit Union2.30% APY $500.00

12 Month CD Rates

BankRateMinimum Deposit To Open
First Internet Bank4.75% APY $1,000.00
Popular Direct4.75% APY $10,000.00
Alliant Credit Union4.60% APY $1,000.00

2 Year CD Rates

TermBankRateMinimum
24 MonthsRising Bank3.80% APY$1,000
24 MonthsBread Savings3.75% APY$1,500
24 MonthsAmerican Heritage Credit Union3.75% APY$500
24 MonthsMerrick Bank3.70% APY$25,000
24 MonthsSynchrony Bank3.40% APY$.01

3 Year CD Rates

BankRateMinimum Deposit To Open
Alliant Credit Union4.60% APY $1,000.00
Popular Direct4.55% APY $10,000.00
BMO Harris4.50% APY $1,000.00

4 Year CD Rates

TermBankRateMinimum
48 MonthsBread Savings4.15% APY$1,500
48 MonthsAmerican Heritage Credit Union4.00% APY$500
49 MonthsNASA Federal Credit Union3.85% APY$10,000
48 MonthsMerrick Bank3.75% APY$25,000
48 MonthsPenFed Credit Union3.50% APY$1,000

5 Year CD Rates

BankRateMinimum Deposit To Open
BMO Harris4.50% APY $1,000.00
Bread Savings4.50% APY $1,500.00
Popular Direct4.50% APY $10,000.00

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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Marcus by Goldman Sachs CD Rates Review

Marcus offers a wide selection of CD terms ranging from six months to six years, including three no-penalty CDs (seven, 11 and 13 months), with above average rates. Marcus requires a low $500 minimal balance to earn interest.

Read More »

Get an Annuity Quote

What Our Clients Are Saying

It has been a complete pleasure to deal with Kiara on several occasions opening new annuities. She has a wonderful personality and most importantly has my best interests in mind. She makes sound and knowledgeable investments.
Chris Lehmann
I would highly recommend My Annuity Store and Kiara for your annuity investment needs. They are very helpful and knowledgeable.
Paula Ohalloran
I worked with Jason and Kiara setting up an annuity. They went over and above expectations. They got me the best deal and were very fast getting all the papers in order via 2 day ups. I will be working with them in the near future. Exellent service!
Richard Miles
Jason is very knowledgeable in his field and clearly explained all my questions and helped with an easy transition of my funds into a new annuity with a higher interest rate. Jason keeps me up to date with changes in the market and information on better products.
Kevin Pourmaleki
I used My Annuity Store, Inc. for the first time and had a smooth and pleasant experience. Kiara Caudill was responsive, personable and quickly found me the best yield rates out in the market to meet my type of investment. Closing the deal was fast and simple as well, Kiara handled the bulk of the application process simplifying a few quick and easy signing steps on my end.
Bill Harner
I recently opened 2 annuities with Jason. Everything was explained and handled in a very professional manner. Was processed very quickly without any problems. Would highly recommend Jason for any of your annuity needs. Richard Clark
Richard Clark
Did business with My Annuity Store, Inc. for two annuities. Worked with Kiara both times. She was very informative and will keep you informed throughout the process. You will be very pleased with them.
Gerald Wolfe
I had very positive end-to-end experience with My Annuity Store. They were very transparent about various options I had, and did their best to explain the rather complicated terminology in different annuity schemes. It was very satisfactory collaboration till the end.. Thsnks!
Satisha Bhat

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