Deposit Rates APY Vs.Others
Savings 4.25% 5.55% →
1-Year CD 4.90% 5.60% →
2-Year CD 4.50% 4.90% →
3-Year CD 4.10% 5.00% →
4-Year CD 4.05% 4.55% →
5-Year CD 4.05% 4.55% →

2024 Overview

General Online Bank Information

Money that you deposit is held by Capital One, National Association. Capital One, National Association is an FDIC insured institution founded in 1933. It has approximately $475.63 billion in assets.

Deposits FDIC Insured Yes
Insured Bank Capital One, National Association
FDIC Certificate # 4297
Date Established 1933
Assets $475.63 billion
Loans $306.03 billion
Deposits $374.16 billion
Capital $53.19 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 - April 21, 2024

Online Savings and Money Market Rates
Online Savings and Money Market Rates APY MIN MAX
360 Performance Savings
4.25% $0 - Learn More
Online CD Rates
Online CD Rates APY MIN MAX
6 Month CD
4.30% $0 - Learn More
12 Month CD
4.90% $0 - Learn More
18 Month CD
4.50% $0 - Learn More
24 Month CD
4.50% $0 - Learn More
3 Year CD
4.10% $0 - Learn More
4 Year CD
4.05% $0 - Learn More
5 Year CD
4.05% $0 - Learn More

Bank 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.


Capital One Lowers Its 360 Performance Savings Rate to 4.25% APY`
Apr 11, 2024

The bank cut its benchmark online savings rates by 10 basis points, marking its second rate decline in two months.  They are hoping customers won't mind the declines even though the Fed funds rate is steady




Climate Policy and Initiatives

Parent Bank Initiatives:

Capital One has outlined its environmental sustainability plan here.   It is unclear to what extent Capital One has extended credit to the carbon and fossil fuels industry and whether the bank has any plans to fund renewable energy projects.

Updated March 1, 2024

Capital One 360 Climate Score: C



Customer Reviews for Capital One 360 (27)


  • March 15, 2023

    Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. I'm moving my money out immediately.

  • March 8, 2023 |

    I am also an existing customer and ran into the same issue. I'm getting 0.3% interest on savings whereas new customers can get 3%. The 3% if for a new product called Performance Savings, which the customer service rep told me is the same as the old 360 savings, just with higher interest. Existing customers can transfer money from your old 360 Savings to Performance Savings and close the old account(s), which I'm happy about, but Capital One did not notify old customers about this, which is why I'm docking them one and a half stars. I figure I lost out on about $125 in interest by not signing up when they started offering Performance Savings, which I think was in October.

    Here is more information: https://www.businessinsider.com/personal-finance/switched-to-high-yield-savings-glad-i-did-2020-5

  • February 24, 2023 |

    So, after nearly 20 years with Capital One (going back to ING Direct), I'm now moving everything away from them. I first went with them due to their high-interest savings accounts, but my savings account is currently at 0.3% and stuck there because Capital One is apparently screwing over their long-term customers and their "legacy" accounts. Looking at the reviews, I'm not the only one running into this.

    Last straw for me, I'll never use Capital One again.

  • February 24, 2023 | | Replies 1

    So, after nearly 20 years with Capital One (going back to ING Direct), I'm now moving everything away from them. I first went with them due to their high-interest savings accounts, but my savings account is currently at 0.3% and stuck there because Capital One is apparently screwing over their long-term customers and their "legacy" accounts. Looking at the reviews, I'm not the only one running into this.

    Last straw for me, I'll never use Capital One again.

    Christopher C. | Apr 21, 2024

    Ok, this site screwed up the rating. I had it listed as 1 star, and I would have listed as lower if possible. Highly recommend AGAINST using Capital One.

  • February 18, 2023 |

    Online CDs 11 Month Rates

    Tried to open up a cd...what a waste of time. Set it all up, and then 2 days later the account was closed with no explanation. Called and was told to open another...said no thanks


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