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Capital One: CD Rates & Fixed Deposits (2026)

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Alex Parker, CFA

Senior Banking Editor

October 28th, 2026

Capital One CD Rates & Fixed Deposits Ratings Breakdown

Overall 8.6 / 10

Overall composite rating across rates, fees, service, digital banking, and rewards.

Interest Rates & APY 8.8 / 10

Capital One consistently delivers near top-of-market APYs across most standard terms, particularly for 6-month to 1-year maturities. While occasionally edged out by niche online-only institutions, its rates remain well above national averages.

Fees & Minimums 9.8 / 10

With a $0 minimum opening deposit requirement and no maintenance fees, Capital One provides unmatched accessibility. Early withdrawal penalties are transparent and in line with standard industry practices.

Customer Service 8.2 / 10

Customers benefit from 24/7 phone support and access to select Capital One Cafés for hybrid in-person interactions. However, branch access remains limited compared to legacy national banks.

Mobile App & Digital Banking 9.5 / 10

Capital One's top-rated mobile app offers an intuitive, secure interface that simplifies CD opening, tracking, and maturity management. The digital onboarding and account monitoring processes are among the best in the banking industry.

Rewards & Perks 6.8 / 10

Capital One does not offer loyalty rate boosts, relationship bonuses, or unique features like add-on or bump-up CD options. The value proposition is centered strictly on straightforward yield and fee-free simplicity.

When evaluating Capital One for CD Rates & Fixed Deposits, our financial analysts examined interest rates, annual and monthly fees, customer satisfaction scores, and digital banking tools.

Capital One Financial Corporation is a top-10 U.S. bank holding company known for combining digital-first no-fee banking with physical Capital One CafÃ©s and branches. Its 360 Checking and 360 Performance Savings accounts eliminate monthly maintenance fees and minimum balance requirements while paying top-tier APY yields.

On the credit side, Capital One's Venture, Savor, and Quicksilver card families provide simple flat-rate miles and cashback with zero foreign transaction fees across all cards.