Capital One 360 CDs Review

No-minimum CDs from 6 to 60 months, with a limited-time 11-month CD at 4.40% APY. Independent Capital One 360 CDs review: 0/5 for certificates of deposit.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked October 12, 2026.

Our verdict

Capital One's 360 CDs ask for no minimum and run from 6 to 60 months, with a limited-time 11-month CD at 4.40% APY on top of a 4.00% 12-month rate and a ladder that holds near 3.50% to 3.60% out to five years. The penalty is 3 months of interest on terms up to a year and 6 months beyond. The 4.40% is a special with no published end date, so check the rate for your term before you fund.

Skip it if you may need the money before the term ends, or you are only here for the 11-month special and it has ended.

About Capital One 360 CDs

No-minimum CDs from 6 to 60 months, with a limited-time 11-month CD at 4.40% APY. Capital One 360 CDs is offered by Capital One, N.A. We could not find a published customer rating for it on Trustpilot or the Better Business Bureau, so none is shown.

Best for: Savers who can lock money for 11 months and want no minimum.

Editorial grade: B+ (composite score 80/100).

Highlights

12-month CD at 4.00% APY; a limited-time 11-month CD pays 4.40% (Capital One's own table, effective 10/12/2026)
Rest of the ladder: 9 months 3.75%, 18 and 60 months 3.60%, 24 to 48 months 3.50%, 6 months 3.30%
No minimum deposit; Capital One's CD page says you can open up to 50 CDs at once, and its account terms say it may limit the number of accounts; you cannot add money to an existing CD
Early withdrawal costs 3 months' interest on terms of 12 months or less and 6 months' interest on longer terms; partial withdrawals are not allowed

What we like

No minimum deposit, so a ladder can start with any amount
The penalty tops out at six months of interest
Long terms hold near 3.50% to 3.60%, so the ladder does not fall off at three and five years
If you fund a new CD by linking an external bank account and the deposit arrives within 10 calendar days of your application, you get the higher of the application-date and funding-date rate

Where it falls short

The 4.40% rate is the 11-month special, which Capital One offers for a limited time without saying when it ends
No partial withdrawals and no added deposits during the term
Early withdrawal can cost more than the interest earned

Fees, minimums, and rates

Monthly fee: $0 monthly; early-withdrawal penalty of 3-6 months' interest. Minimum to open: $0. Current APY: 4.00%. Rates and fees last checked on October 12, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Capital One, N.A.. It is built from Capital One, N.A.'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Certificates of Deposit shortlist. Our bank-account reviews weight APY (30%), fees (20%), access and convenience (15%), account features (15%), trust and safety (10%), and customer support (10%). The rubric is the same for every brand.

The bank behind this account

Capital One, FDIC certificate 4297: capital, loan quality, every office and the complaint record.

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Read our full editorial methodology for how we review products.