Capital One, National Association

Headquarters

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

ACH 056073612

Phone 800 655 2265

Notable Rates APY Vs.Others
Savings 4.35% 5.50% →
1-Year CD 5.00% 5.50% →
2-Year CD 4.30% 5.00% →
5-Year CD 4.00% 4.61% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2024 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 $468.78 billion in assets. Customers can open an account at one of its 855 branches.

FDIC Insured Yes
FDIC Certificate # 4297
Date Established 1933
Assets $ 468.78 billion
Loans $ 300.57 billion
Deposits $ 373.75 billion
Capital $ 48.94 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 - March 2, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
SAV
4.35% $1 - Learn More
CD Rates APY MIN MAX
6 Mo CD
4.35% $0 - Learn More
9 Months
4.35% $0 - Learn More
12 Mo CD
5.00% $0 - Learn More
18 Mo CD
4.70% $0 - Learn More
24 Mo CD
4.30% $0 - Learn More
30 Mo CD
4.10% $0 - Learn More
36 Mo CD
4.10% $0 - Learn More
48 Mo CD
4.05% $0 - Learn More
60 Month
4.00% $0 - Learn More

Int Checking Rates APY MIN MAX
INTCK
0.10% $0 - Learn MoreShow Less

Online Only Savings Rates of Capital One 360

Online Savings Rates APY MIN MAX
360 Performance Savings
4.30% $0 - Learn More

Online Only CD Rates of Capital One 360

Online CD Rates APY MIN MAX
6 Month CD
4.30% $0 - Learn More
12 Month CD
5.30% $0 - Learn More
18 Month CD
5.00% $0 - Learn More
24 Month CD
4.30% $0 - Learn More
3 Year CD
4.30% $0 - Learn More
4 Year CD
4.20% $0 - Learn More
5 Year CD
4.20% $0 - 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 - March 2, 2024

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



Climate Initiatives

Capital One, National Association is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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
7.97% 4.13%

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 September 30, 2023, Capital One, National Association had $5,053,806,000 in non-current loans and $41,490,000 in owned real estate. To cover these potential losses it had $48,936,490,000 in equity and $14,955,322,000 in loans loss reserves. That gives it a Texas Ratio of 7.97%.

Return on Equity
Capital One, National Association U.S. Bank Average
11.84% 26.02%

Capital One, National Association has a Return on Equity of 11.84% versus the BestCashCow average of 26.02%. 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
10.44% 10.23%

Capital One, National Association has a Capitalization of 10.44% versus the BestCashCow average of 10.23. 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 September 30, 2023, Capital One, National Association had assets of $468,779,830,000, loans of $300,566,766,000, and deposits of $373,754,840,000. 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

September 30, 2023
ASSETS
Cash & Balances due from depository institutions $ 44.80 billion
Interest-bearing balances $ 40.49 billion
Total securities $ 74.98 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 300.57 billion
Loan loss allowance $ 14.96 billion
Trading account assets $ 1,796.82 million
Bank premises and fixed assets N.A.
Other real estate owned $ 41.49 million
Goodwill and other intangibles $ 15.45 billion
All other assets $ 18.03 billion
     Total Assets $ 419.84 billion
LIABILITIES
Total deposits $ 373.75 billion
      Interest-bearing deposits $ 344.55 billion
      Deposits held in domestic offices $ 373.63 billion
      % insured (estimated) 73.33%
Federal funds purchased and repurchase agreements $ 521.71 million
Trading liabilities $ 3.00 billion
Other borrowed funds $ 22.95 billion
Subordinated debt N.A.
All other liabilities $ 10.95 billion
      Total Liabilities $ 419.84 billion
      Shareholders’ Equity $ 48.94 billion

Summary Income Statement

September 30, 2023
INCOME AND EXPENSES
Total Interest Income $ 30.75 billion
Total Interest Expense $ 8.70 billion
Net interest income $ 22.05 billion
Provision for loan and lease losses $ 7.57 billion
Total non interest income $ 5.35 billion
Total non interest expense $ 14.44 billion
Pre-tax Net Operating Income $ 2.10 billion

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 Commercial Real Estate.

Compared to other banks in Virginia, Capital One, National Association has a significantly higher percent of Credit Card Loans, Consumer Auto 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 0.04
Multifamily
Mortgages
3.34
Credit Card Loans 5.13
Consumer Auto Loans 26.59
Small Business Loans 0.10
Construction and Development Loans 0.91
Commercial Real Estate 6.31
Commercial and Industrial Loans 12.20
Farm Loans 0.00

Customer Reviews for Capital One, National Association (15)


  • January 2, 2024 |

    CDs 12 Month Rates

    Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although I've limited the amount there vs. other banks because of the low rate. The other problem with Cap One is that to set up an account, one has to have and give a cell phone number. My cell is off 99% of the time and literally only three people/orgs have the number on an absolute need to know basis. Since there's no workaround and no setting up accounts on the phone. End of story for Cap One savings account for me.

  • April 19, 2023 |

    Closed my account today after years of frustration dealing with Capitol One--Oh how miss Calcasieu Marine--haven't decided yet where to open my new account --but strongly advise staying away from Capitol One--nothing against the employees in Sulphur--it is the overall policies of the bank which are trying to force customers to switch to online banking with no exceptions for older folks like me who do not want to bank on cell phone or personal computer. So many branches closed --long before covid--soon there will be no live employees at few local branches that remain and soon no local branches.

  • November 1, 2022

    I never in my 80 years of life seen a company that treat their customers like shit and still expect them to come back. I have always paid my bills monthly without hesitation, in the past I have had so many things to happen that I even tore up my WalMart card when I saw it was Capital 1. My most recent run in with them was when my parents passed away and we were dividing their estate among 4 kids , one child had died and I had his part of the estate because his funeral bills and medicines before he died along with a lot of other debt he owed me, I had things worked out among the other siblings where I could get my money without filing it through the court, when the day came to where the estate was to be settled, the court did a debt check on us kids and to my surprise, Capital One had entered a debt that named me as one that owed them close to $25.000 which was a total lie, I don't owe anyone, I called them and the credit company and asked for the information, they told me it would take 3 weeks to get it, when I asked them what the debt was and they couldn't tell me. Needless to say, this postponed everything and added another $5000 in holdup cost and interest, I then called Capital one and asked them some of the questions the collection agency couldn't. PISSED OFF NOW that the person they had me mistaken to be lived in another City, a different SS number, everything was different, as I asked them questions, they acted like they were the stupidest people on earth. They told me that I would have to file an appeal to the collection agency and the papers were to be sent via mail to me, no, they couldn't send them via email of text and the appeal might take 90 days to come up. Now its 4 months later, the court has held my part and added charges to my part and paid off the others, when I finally got things cleared, I lost all of the money I was owed, the court had added $16000, the attorney had $1200 more and I had lost almost all of the $60.000 I was owed in the Estate. Thanks Capital one. Rate them, I would have to go deep into my sewer to find anything close to a rating

  • September 2, 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 | Mar 2, 2024

    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


Add Your Review


or use your BestCashCow account

or