Capital One 360 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer

Capital One 3604.0/5

Rate (APY)
3.75% APY
Term
1 year
Minimum Deposit
$0
Promotion
N/A
Apply Now →on Capital One 360's website

Capital One 360 offers a competitive 3.75% APY on its 1-year CD with the unique benefit of no minimum deposit required. This flexibility makes it an attractive option for those looking to start saving without a large upfront investment, although the APY is lower than some competitors.

Pros:

  • No minimum deposit
  • No monthly fees

Cons:

  • Lower APY compared to others

In conclusion, Capital One 360's 1-year CD is an excellent choice for individuals seeking a straightforward savings option with a competitive APY and no minimum deposit requirement, making it particularly suitable for new savers or those looking to diversify their investment portfolio without a significant financial commitment. However, those seeking the highest possible returns may want to explore other providers.

Frequently Asked Questions

Compare CD Rates

Summary of all rates from our CD rate pages. Click column headers to sort.

Provider ↕Rate ↓Term ↕Min Deposit
Newtek Bank4.30% APY6 months$2,500Learn more
Limelight Bank4.15% APY6 months$1,000Learn more
Bread Savings4.15% APY9 months$1,500Learn more
Northern Bank Direct4.15% APY3 months$500Learn more
Synchrony Bank4.10% APY14 months$0Learn more
LendingClub4.10% APY8 months$500Learn more
Popular Direct4.05% APY1 year$10,000Learn more
Marcus by Goldman Sachs4.00% APY1 year$500Learn more
Sallie Mae Bank3.80% APY1 year$2,500Learn more
Colorado Federal Savings Bank3.80% to 4.00% APY5 years$5,000Learn more
Capital One 3603.75% APY1 year$0Learn more
Live Oak Bank3.60% APY6 months$2,500Learn more
CFG Bank3.35% to 3.90% APY5 years$500Learn more
Wells Fargo0.05% APY6 months$2,500Learn more

Related Guides