Capital One CD Rates 5.25% APY 18-Month CD Best Deal

Capital One CD rates on the bank's 12-month and 18-month certificates are competitive when compared to other short-term CD rates. The 18-month CD rate at Capital One is the best bag for your buck, with a current CD rate of 5.13% and an APY of 5.18%. That rate ties Capital One in the 14th spot on 18-month CD rate list. You can view all Capital One CD rates below and read about account disclosures and early withdrawal penalties.

Current Capital One CD Rates

  • 6-Month CD: 3.90%
  • 9-Month CD: 4.30%
  • 12-Month CD: 4.85%
  • 18-Month CD: 5.15%
  • 24-Month CD: 4.40%
  • 30-Month CD: 4.30%
  • 36-Month CD: 4.30%
  • 48-Month CD: 4.20%
  • 60-Month CD: 4.10%
  • Minimum Deposit for All CD Accounts: $0

    Captial One Savings Rate

  • Interest Rate: 4.30%
  • Minimum Deposit: $0

    Early Withdrawal Penalties

  • CDs with 12 months or shorter: 3 months of interest
  • CDs longer than 12 months: 6 months of interest
  • No penalty for early withdrawal in case of death or legal incompetence
  • Account Features

  • No Minimum Balance: Deposit as much as you're comfortable with.
  • FDIC-Insured: Balances insured up to FDIC limits.
  • Interest Payment Options: Monthly, annually, or end-of-term.
  • No Market Risk: Fixed-rate returns.
  • Guaranteed Returns: Money grows at a fixed rate.
  • Maturity and Renewal

  • 10-day grace period for renewal or withdrawal.
  • Automatic renewal if no action is taken.
  • Up to 50 CDs can be opened at once.
  • Online Access

  • Open an account online or at a Capital One location.
  • Interest Accrual

  • Accrued daily, compounded and credited monthly.
  • Disbursement options include transfers to Capital One or external accounts.
  • Disclosures

  • Early withdrawal penalties apply.
  • All CD balances are FDIC-insured up to allowable limits.
  • Interest rates are subject to change.
  • Automatic renewal at possibly different rates.
  • No additional deposits can be made to an existing CD.
  • Compare CD rates from Capital One with other interest rates by using our new free rate lists, you can compare 3-month to 60-month rates here: Search for CD Rates

     
    Author: Brian McKay
    October 12th, 2023