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  Capital One 360 CD

Capital One 360 CD

in CD Accounts from Capital One · Member fdic

Claimed

Capital One 360 CD

Claimed

in CD Accounts from Capital One · Member FDIC

Net Recommendation Score 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Minimum Opening Deposit Starting at $0
Deposit Term
  • 6 months
  • 9 months
  • 12 months
  • 18 months
  • 2 years
  • 3 years
  • 4 years
  • 5 years
APY (Annual Percentage Yield) 0.20% - 0.40%

Capital One 360 CD Review

Capital One 360 CD is offered by Capital One, a bank founded in 1933 and based in McLean, VA. Capital One 360 CD is available in 50 states (and Washington, DC).

Key Takeaways
  • Only one CD account type available. Capital One 360 CD only offers traditional CD accounts.
  • Very high APY. This account offers an annual percentage yield of up to .40%, which is much higher than the national average for a CD account.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • Wide selection of CD terms. Capital One 360 CD allows you to create a CD ladder by spreading your cash across certificates of deposit with different terms. This combines the benefits of frequent access to funds and higher rates of return on your savings.
Pros & Cons of Capital One 360 CD
Pros Cons
  • FDIC insured.
  • Multiple CD terms available.
  • Available in all 50 states.
  • High-interest yield.
  • No charge on incoming domestic or international wire transfers.
  • There isn't a no-penalty CD option.
  • Does not offer an IRA CD.
Capital One 360 CD FAQ

Are cd accounts from Capital One federally insured?

Yes, your Capital One cd accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What types of CDs does Capital One offer?

Capital One 360 CD provides the following types of CDs.
  • Traditional CDs. These CDs pay a fixed interest rate i you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or rolling over the CD for another term.

What CD rates does Capital One offer on its CDs?

Capital One 360 CD offers an APY starting at 0.20% and ranging up to .40%. APY stands for annual percentage yield and shows the interest rate paid by the CD after taking into account compounding.

What terms does Capital One 360 CD offer?

Capital One offers CD terms of the following lengths:
Capital One 360 CD Rates & Terms
Description
2-Year APY 0.25%
3-Year APY 0.30%
4-Year APY 0.35%
5-Year APY 0.40%
6-Month APY 0.20%
12-Month APY 0.20%
APY (Annual Percentage Yield) 0.20% - 0.40%

What is the minimum deposit to open a CD account with Capital One?

Capital One 360 CD does not require a minimum deposit.

What is the grace period for Capital One 360 CD?

There is a 10-day grace period for Capital One 360 CD. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the 10-day grace period. Note that the new CD rates probably won’t be the same as the original.

What types of fees, such as early withdrawal penalties, does Capital One 360 CD charge?

Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the CD term ends.

Capital One does not charge an early withdrawal fee.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

2-Year APY 0.25%
3-Year APY 0.30%
4-Year APY 0.35%
5-Year APY 0.40%
6-Month APY 0.20%
12-Month APY 0.20%
APY (Annual Percentage Yield) 0.20% - 0.40%
CD Accounts Traditional
Grace Period for Account Changes 10 days
Deposit Term
  • 6 months
  • 9 months
  • 12 months
  • 18 months
  • 2 years
  • 3 years
  • 4 years
  • 5 years

Capital One 360 CD Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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