What are the current interest rates at Capital One Bank?

Current rates for Capital One Bank include: 12-Month CD: 4.00%, 18-Month CD: 3.60%, 24-Month CD: 3.50%, 36-Month CD: 3.50%, 48-Month CD: 3.50%, 60-Month CD: 3.60%, Savings: 3.10%

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Capital One Bank Rates & Review October 2026

Q: How many branches does Capital One Bank operate?

Capital One Bank currently maintains approximately 252 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Capital One Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Capital One Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Capital One Bank's top rates as of October 14, 2026 are 4.40% APY on its 11-Months 11-Month 360 CD, 3.10% APY on savings, and credit cards from 17.49% APR, according to rates verified by MonitorBankRates. Other Capital One Bank CD rates include 11-Months 360 CD - 11-Month Special at 4.40%, 12-Months 12-Month 360 CD at 4.00%, and 9-Months 360 CD - 9-Month at 3.75%. MonitorBankRates evaluates the financial stability of Capital One Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.00%. Rates last updated and verified on 10/14/2026.

Capital One Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Capital One Bank? Share your experience about Capital One Bank by leaving a review below, or read customer reviews before you decide to use Capital One Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.00%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Capital One Bank

1680 Capital One Dr
Mclean, VA 22102

https://www.capitalone.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Capital One Bank CD Rates

Product	Rate	APY	Term
11 Month 360 CD	-	4.40%	11 Months
Details Special 11-month CD; limited-time offer; available at highest CD rate for consumer accounts; CD rate calculator table; Online CD Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30% Oct 14, 20264.40%▲ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
360 CD - 11 Month Special	-	4.40%	11 months
Details Special 11-month CD rate; Fixed interest rate; Guaranteed returns with no market risk; No monthly fees or balance minimums Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
12 Month 360 CD	-	4.00%	12 Months
Details 1-year online CD; CD rate calculator table; Online CD Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 4.30% → 4.00% ▼ 0.30 pts · high 4.30% / low 4.00% Oct 14, 20264.00%▼ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
360 CD - 9 month	-	3.75%	9 Months
Details Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 4.30% → 3.75% ▼ 0.55 pts · high 4.30% / low 3.75% Oct 14, 20263.75%▼ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
18 Month 360 CD	-	3.60%	18 Months
Details CD rate calculator table; Online CD Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60% Oct 14, 20263.60%▼ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
360 CD - 60 month	-	3.60%	60 Months
Details Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60% Oct 14, 20263.60%▼ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
360 CD - 24 month	-	3.50%	24 Months
Details Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50% Oct 14, 20263.50%▼ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
360 CD - 30 month	-	3.50%	30 Months
Details Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50% Oct 14, 20263.50%▼ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
360 CD - 36 month	-	3.50%	36 Months
Details Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50% Oct 14, 20263.50%▼ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
360 CD - 48 month	-	3.50%	48 Months
Details Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50% Oct 14, 20263.50%▼ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
360 CD - 6 month	-	3.30%	6 Months
Details Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 4.30% → 3.30% ▼ 1.00 pts · high 4.30% / low 3.30% Oct 14, 20263.30%▼ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%

Capital One Bank Savings Rates

Product	Rate	APY	View More
360 Performance Savings	-	3.10%
Details APY is variable and effective 10/14/2026; No fees; No minimums Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 2, 20263.10%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%

Capital One Bank Credit Card Rates

Product	Rate	APR
REI Co-op Mastercard	-	17.49%
Details Published APR range: 17.49%-28.49%. Variable APR; Cash advance APR: 28.49%; Annual fee: $0 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 17.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
T-Mobile Visa	-	18.49%
Details Variable APR; Cash advance APR: 28.49%; Annual fee: $0; APR range: 18.49% or 28.49% Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 18.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Quicksilver Rewards Credit Card	-	18.74%
Details Published APR range: 18.74% - 28.74%. 0% intro APR for 15 months; Variable APR after that; Annual fee: $0; Earn $200 cash bonus after $500 spend in first 3 months Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 18.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Quicksilver Rewards for Students Credit Card	-	18.74%
Details Published APR range: 18.74% - 28.74%. Variable APR; Annual fee: $0; Earn $50 cash bonus after $100 spend in first 3 months Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 18.49% → 18.74% ▲ 0.25 pts · high 18.74% / low 18.49% Oct 2, 202618.74%▲ from 18.49% Sep 15, 202618.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Savor Rewards Credit Card	-	18.74%
Details Published APR range: 18.74% - 28.74%. 0% intro APR for 12 months; Variable APR after that; Annual fee: $0; Earn $200 cash bonus after $500 spend in first 3 months Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 18.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Savor Rewards for Students Credit Card	-	18.74%
Details Published APR range: 18.74% - 28.74%. Variable APR; Annual fee: $0; Earn $50 cash bonus after $100 spend in first 3 months Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 18.49% → 18.74% ▲ 0.25 pts · high 18.74% / low 18.49% Oct 2, 202618.74%▲ from 18.49% Sep 15, 202618.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
VentureOne Rewards Credit Card	-	18.74%
Details Published APR range: 18.74% - 28.74%. 0% intro APR for 15 months; Variable APR after that; Annual fee: $0; Earn 20,000 bonus miles after $500 spend in first 3 months Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 18.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Venture Rewards Credit Card	-	19.74%
Details Published APR range: 19.74% - 28.74%. Variable APR; Annual fee: $95; Cash advance APR: 28.74%; Limited-time offer: earn 75,000 bonus miles after $4,000 spend in first 3 months; $300 stays credit Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 19.49% → 19.74% ▲ 0.25 pts · high 19.74% / low 19.49% Oct 2, 202619.74%▲ from 19.49% Sep 15, 202619.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Venture X Rewards Credit Card	-	19.74%
Details Published APR range: 19.74% - 28.74%. Variable APR; Annual fee: $395; Cash advance APR: 28.74%; Earn 75,000 bonus miles after $4,000 spend in first 3 months; 10,000 anniversary miles; $300 Capital One Travel credit Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 19.49% → 19.74% ▲ 0.25 pts · high 19.74% / low 19.49% Oct 2, 202619.74%▲ from 19.49% Sep 15, 202619.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
BJ's One Mastercard	-	19.99%
Details Published APR range: 19.99%-28.49%. Variable APR; Cash advance APR: 28.49%; Annual fee: $0 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 19.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%

Capital One Bank Other Rates

Product	Rate	Points	APY/APR	Term
360 CD - 11 Months	-	-	4.40%	11 Months
Details Special limited-time 11-month 360 CD at highest available CD rate for consumer accounts; Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30% Oct 14, 20264.40%▲ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
360 CD - 12 Months	-	-	4.00%	12 Months
Details Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 4.30% → 4.00% ▼ 0.30 pts · high 4.30% / low 4.00% Oct 14, 20264.00%▼ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
360 CD - 18 Months	-	-	3.60%	18 Months
Details Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60% Oct 14, 20263.60%▼ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
60 Month 360 CD	-	-	3.60%	60 Months
Details 5-year online CD; CD rate calculator table; Online CD Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60% Oct 14, 20263.60%▼ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Capital One Bank’s Texas Ratio fell from 10.35% in Q3 2023 to 7.00% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$662.2B	7.00%	5.0	A
March 31, 2026	$672.0B	7.76%	5.0	A
December 31, 2025	$658.5B	8.14%	5.0	A
September 30, 2025	$652.1B	7.85%	5.0	A
June 30, 2025	$648.9B	7.53%	5.0	A
March 31, 2025	$490.6B	9.83%	5.0	A
December 31, 2024	$487.2B	11.52%	5.0	A
September 30, 2024	$483.9B	10.41%	5.0	A
June 30, 2024	$477.3B	10.65%	5.0	A
March 31, 2024	$478.9B	10.90%	5.0	A
December 31, 2023	$475.6B	10.62%	5.0	A
September 30, 2023	$468.8B	10.35%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Capital One Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Capital One Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Capital One Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Capital One Bank

Bank Holding Company CAPITAL ONE FINANCIAL CORP

Address 1680 Capital One Dr, Mclean, VA 22102 · Fairfax

Website https://www.capitalone.com

FDIC Certificate # 4297

Established 19330522

FDIC Insurance Date 19340101

Domestic Offices 249

Total Branches 252

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

7.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6718%

Return on Equity (ROE) 11.3500%

Non-Performing Loans (NPL) 1.03%

Total Assets $662,157,000,000

Total Deposits $512,600,000,000

Equity Capital $98,721,000,000

Net Income $5,552,000,000

Headquarters Mclean

Total Branches and Offices 252

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Capital One Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Capital One Bank

How many branches does Capital One Bank operate?

Capital One Bank currently maintains approximately 252 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Capital One Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Capital One Bank provides members with tools to manage their accounts and build a solid financial history.

Does Capital One Bank offer online and mobile banking?

Most modern institutions like Capital One Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.capitalone.com.