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.

Capital One CD Rates

CD Term	APY	Minimum
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.

Type	Minimum Balance	APY
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

Type	Minimum Balance	APY
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.

	FIXED ANNUITY	CD
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 but usually higher than CDs.	Varies by bank, term and investment amount.
Liquidity	Usually, 10% annually or interest earned.	Almost always accumulated interest.
Guarantees	Backed by Insurance Company & 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.

Term	Insurer	Annuity	Rating	Rate	Apply
2 Years	Oceanview	Harbourview 2	A-	2.85%	Apply
3 Years	Sagicor	Milestone 3	A-	3.50%	Apply
4 Years	Sagicor	Milestone 4	A-	3.70%	Apply
5 Years	Sentinel Security	Personal Choice	B++	4.05%	Apply
6 Years	Oceanview	Harbourview 6	A-	4.30%	Apply
7 Years	Sentinel Security	Personal Choice	B++	4.10%	Apply
8 Years	Oxford Life	Multi-Select	A	3.80%	Apply
9 Years	Oxford Life	Multi-Select	A	3.65%	Apply
10 Years	Atlantic Coast Life	Safe Haven	B++	4.15%	Apply

Today's Top CD Rates

3 Month CD Rates

Best 3-Month CD Rates	Rate	Term	Minimum
Spectrum Credit Union	0.50% APY	3 Months	$500.00
Navy Federal Credit Union	0.40% APY	3 Months	$1,000.00
Chevron Federal Credit Union	0.50% APY	3 Months	$500.00
Luana Savings Bank	0.55% APY	3 Months	$1,000.00

12 Month CD Rates

Best 12 Month CD Rates	Rate	Minimum
Live Oak	1.75% APY	$2,500.00
Limelight Bank	1.25% APY	$1,000.00
Lafayette Federal Credit Union	0.80% APY	$5,000.00
CommunityWide FCU	0.75% APY	$1,000.00

2 Year CD Rates

Best 2-Year CD Rates	Rate	Term	Minimum
Connexus Credit Union	2.86% APY	24 Months	$5,000
Oceanview Harbourview Annuity	2.85% APY	24 Months	$20,000
Popular Direct	2.30% APY	24 Months	$10,000
BMO Harris	2.25% APY	24 Months	$1,000
PenFed Credit Union	1.25% APY	24 Months	$1,000

3 Year CD Rates

Best 3-Year CD Rates	Rate	Term	Minimum
Sagicore Milestone 3	3.50% APY	36 Months	$100,000
Connexus Credit Union	3.01% APY	36 Months	$5,000
My Banking Direct	1.40% APY	36 Months	$500
Lafayette Federal Credit Union	1.01% APY	36 Months	500

4 Year CD Rates

Best 4-Year CD Rates	Rate	Term	Minimum
Sagicor	3.70% APY	48 Months	$100,000
Connexus Connexus Credit Union Credit Union	3.11% APY	48 Months	$5,000
NASA Federal Credit Union	1.70% APY	48 Months	$500
Teachers Federal Credit Union	1.30% APY	48 Months	$1000

5 Year CD Rates

Best 5-Year CD Rates	Rate	Term	Minimum
Milestone 5	3.85% APY	60 Months	$100,000
Connexus Credit Union	3.21% APY	60 Months	$5,000
BMO Harris	2.80% APY	60 Months	$1,000
Teachers Federal Credit Union	1.65% APY	60 Months	$1000

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

Are Annuities FDIC Insured?

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

Can you Loose money in a fixed annuity?

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.