Capital One, National Association

Headquarters

1680 Capital One Drive
Mclean, VA 22102
See all branch locations →

Phone 800 655 2265

Notable Rates APY Vs.Others
Savings 0.65% 0.95% →
1-Year CD 0.20% 1.01% →
2-Year CD 0.25% 0.95% →
5-Year CD 0.40% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Capital One, National Association is an FDIC insured institution located in Mclean, VA. It was founded in 1933 and has approximately $339.22 billion in assets. Customers can open an account at one of its 855 branches.

FDIC Insured Yes
FDIC Certificate # 4297
Date Established 1933
Assets $ 339.22 billion
Loans $ 161.81 billion
Deposits $ 266.71 billion
Capital $ 43.74 billion
 

For a more detailed analysis of Capital One, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 28, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.65% $2,500 $4,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.20% $10,000 $14,999 Learn More
12 Mo CD
0.20% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.25% $10,000 $14,999 Learn More
24 Mo CD
0.25% $100,000 $199,999 Learn More
30 Mo CD
0.75% $10,000 $14,999 Learn More
30 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
0.30% $10,000 $14,999 Learn More
36 Mo CD
0.30% $100,000 $199,999 Learn More
48 Mo CD
0.35% $10,000 $14,999 Learn More
48 Mo CD
0.35% $100,000 $199,999 Learn More
60 Mo CD
0.40% $10,000 $14,999 Learn More
60 Mo CD
0.40% $100,000 $199,999 Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.50% $1 $999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.65% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 $99 Learn MoreShow Less
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Online Only Savings Rates of Capital One 360

Online Savings Rates APY MIN MAX
360 Performance Savings
0.50% $0 - Learn More

Online Only CD Rates of Capital One 360

Online CD Rates APY MIN MAX
6 Month CD
0.20% $1,000 - Learn More
12 Month CD
0.20% $1,000 - Learn More
18 Month CD
0.35% $1,000 - Learn More
24 Month CD
0.25% $1,000 - Learn More
3 Year CD
0.30% $1,000 - Learn More
4 Year CD
0.35% $1,000 - Learn More
5 Year CD
0.40% $1,000 - Learn More
Checking Rates APY MIN FEE
360 Checking 0.00% $0 $0.00 Learn MoreShow Less
360 Checking 0.20% $0 $0.00 Learn MoreShow Less

Bank Online Offers

Capital One 360 Savings Rate Drops to 0.80% APY
Aug 5, 2020

Capital One has cut its online savings rate from 1.00% to 0.80% APY.


Capital One 360 Savings Rate Drops to 0.50% APY
Oct 1, 2020

Capital One has dropped their savings rate to 0.50% APY from 0.65% APY.   This is a dramatic fall for a product that was offered at 1.50% APY at the beginning of the summer.



Loan Rates - October 28, 2020

Your Current Location: Virginia, VA 20146

Auto Loan Rates APR Rate Monthly Payment
3 Year Purchase 4.76% 4.76% $746.58
4 Year Purchase 5.12% 5.12% $577.09
5 Year Purchase 5.12% 5.12% $473.16

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Capital One, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Capital One, National Association Locations


Financial Details

Capital One, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Capital One, National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Capital One, National Association U.S. Bank Average
3.01% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Capital One, National Association had $1,460,209,000 in non-current loans and $1,035,000 in owned real estate. To cover these potential losses it had $43,735,648,000 in equity and $4,822,254,000 in loans loss reserves. That gives it a Texas Ratio of 3.01%.

Return on Equity
Capital One, National Association U.S. Bank Average
-4.01% 7.80%

Capital One, National Association has a Return on Equity of -4.01% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Capital One, National Association U.S. Bank Average
12.89% 12.68%

Capital One, National Association has a Capitalization of 12.89% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Capital One, National Association Balance Sheet Analysis

As of March 31, 2020, Capital One, National Association had assets of $339,215,513,000, loans of $161,806,995,000, and deposits of $266,706,742,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 78.26 billion
Interest-bearing balances $ 74.60 billion
Total securities $ 65.90 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 161.81 billion
Loan loss allowance $ 4.82 billion
Trading account assets $ 2.88 billion
Bank premises and fixed assets N.A.
Other real estate owned $ 1.04 million
Goodwill and other intangibles $ 14.73 billion
All other assets $ 11.58 billion
     Total Assets $ 295.48 billion
LIABILITIES
Total deposits $ 266.71 billion
      Interest-bearing deposits $ 241.99 billion
      Deposits held in domestic offices $ 266.71 billion
      % insured (estimated) 73.07%
Federal funds purchased and repurchase agreements $ 399.08 million
Trading liabilities $ 2.73 billion
Other borrowed funds $ 18.22 billion
Subordinated debt N.A.
All other liabilities $ 7.42 billion
      Total Liabilities $ 295.48 billion
      Shareholders’ Equity $ 43.74 billion

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 3.56 billion
Total Interest Expense $ 794.22 million
Net interest income $ 2.76 billion
Provision for loan and lease losses $ 1,979.64 million
Total non interest income $ 1,707.36 million
Total non interest expense $ 3.06 billion
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Capital One, National Association’s loan portfolio are Consumer Auto Loans, Commercial and Industrial Loans, and Credit Card Loans.

Compared to other banks in Virginia, Capital One, National Association has a significantly higher percent of Multifamily Mortgages, Consumer Auto Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.15
Multifamily
Mortgages
7.99
Credit Card Loans 12.00
Consumer Auto Loans 37.92
Small Business Loans 0.37
Construction and Development Loans 1.48
Commercial Real Estate 10.54
Commercial and Industrial Loans 20.14
Farm Loans 0.02

Frequently Asked Questions About Capital One

Branches and Savings

Is Capital One FDIC insured?

Yes. It is covered under FDIC Certificate #4297.

Why does Capital One pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Capital One CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Capital One a commercial bank?

Where are Capital One locations?

See branch locations nearby.

Is Capital One open on Saturdays?

Is Capital One open on Sundays?

What time does Capital One open?

What time does Capital One close?

Are Capital One ATMs Open 24/7?

Do Capital One ATMs accept cash deposits?

Can Capital One customers use other ATMs?

Do Capital One branches have notaries?

Will Capital One notarize my document?

What address for Capital One should I put for incoming ACH transfers?

Will the Capital One branch print checks?

Do Capital One checks expire?

Does Capital One require US citizenship to open account?

Can Capital One close my account?

Does Capital One Report to credit bureaus?

Does Capital One Use Equifax?

What is Capital One's ACH Routing Number?

What is Capital One's SWIFT code?

Products

Does Capital One offer mortgages?

Compare mortgage rates here.

Does Capital One offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Capital One offer personal loans?

Compare personal loan rates here.

Does Capital One offer student loans?

Will Capital One cash a check?

Will Capital One redeem a savings bond?

Does Capital One cash savings bonds?

Will Capital One cash money orders?

Can Capital One issue a money order?

Does Capital One do currency exchange?

Background on The Bank

Who owns Capital One?

How long has Capital One been around?

Can Capital One transfer to other banks?

Does Capital One have quick pay?

Does Capital One accept rolled coins?

Will Capital One accept loose change?

Where is Capital One headquarters?

Customer Reviews for Capital One, National Association (12)


  • September 02, 2020 | Replies 1

    Opened a 360 Performance Savings account in November 2019 when interest rate was 1.9%. After chipping away at lowering the rate, notice today it is down to 0.65%. I assume there may be many who don't watch their accounts closely and are unaware how the rate has tanked. Looking into other options, seem there are plenty of institutions offering in the 1% range. Doubt my answer to "what's in your wallet?" will be Capitol One for much longer.

    Anthony M | Oct 28, 2020

    YES, KEITH W. I saw that too, but not so bad.
    I moved my money into new 360 IRA Savings@ Capital One [AUGUST 2020] from Bank-of-America. Started as 0.80% APY. I called IRA DEPT [SEPT 2020] (cptl one) {NOW it as you know} = 0.65% APY.
    APY= annual percentage yield
    BUT, THE interest rate INFORMATION FROM #bestcashcow.com/investments, NEVER UPDATES.
    Sep 20, 2020

  • May 14, 2020 |

    Took advantage of their promo rate, input at bankers desk, could have done same at home, not given an account #, never received a card, had to fax to add an beneficiary. Finally closed account, now pennies of interest, did online set up of external account, never sent me a code. Phone menu useless. horrible bank

  • December 19, 2019

    CDs 12 Month Rates

    Ok CD coming up for renewal let along the rates being so low
    1 customer service and 1 teller at lunch time, go figure how they survive?

  • December 19, 2019

    CDs 12 Month Rates

    Ok CD coming up for renewal let along the rates being so low
    1 customer service and 1 teller at lunch time, go figure how they survive?

  • November 18, 2019 |

    Savings Rates

    Pretty good I guess. It doubled Margaret’s money in only 40 years :)

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