Capital One CD Rates | SmartAsset.com (2024)

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How Capital One 360 CDs Rates Compare to Other Banks

Capital One offers some of the highest CD rates in the industry. As you can see in the accompanying table, its rates compete with other high-performing banks, like Ally and Marcus by Goldman Sachs. Whether Capital One has a higher rate than a competitor will depend on the term length.

Compare Capital One to Other Competitive Offers

Should You Get a Capital One 360 CD Account?

Opening a Capital One CD gives you the flexibility to save toward both short-term and long-term goals with its various term lengths. Whether you need a few extra dollars in six months or a hundred more in a few years, a CD can do that for you.

By not requiring a minimum deposit, Capital One allows you to open a CD with whatever savings you have available. However, don’t forget that you cannot make any additional deposits until the account reaches its maturity date.

Another important aspect of CDs is that you cannot easily make withdrawals at any time. If you think you’re likely to need constant withdrawals, you may want to consider a savings account instead. That way, you’ll be able to access your funds six times each statement cycle, instead of once every few months or years.

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