Capital One CD Rates July 2019

Capital One CD rates are competitive right now on the bank's intermediate-term certificates of deposit. Short and long term CD rates from Capital One for July 2019 are not as competitive. The best CD rates at Capital One right now are on the bank's 12 month CD at 2.27 percent with an APY of 2.30 percent. 18 month CD rates at Capital One right now are also at 2.27 percent with an APY of 2.30 percent.

If you want to invest in a longer-term CD account, 60 month CD rates at Capital One are at 2.47 percent with an APY of 2.50 percent. As you can see, their 5 year CD rates are only 20 basis points above 1 year CD rates so it might not be worthwhile to invest in a 5 year CD at Captial One. Then again, there is talk of the Federal Reserve lowering rates at least once or twice this year, so locking in a higher rate for 5 years might not be a bad investment.



Looking at short term CD rates from Capital One, we see 6-month CD rates are at 0.60 percent and 9 month CD rates are at 0.80 percent. 24 month and 30 month CD rates are both currently offered at 2.32 percent with an APY of 2.35 percent. 3-year rates are at 2.37 percent with an APY of 2.40 percent and 4-year rates are at 2.42 percent with an APY of 2.45 percent.