Capital One CD Rate - 2 Year

Capital One's 2 Year CD pays 3.50% APY as of November 9, 2026, checked 18 hours ago. Since RateBrain began tracking it in 2009, this 2 Year CD has paid as much as 4.40% (Aug 2023) and as little as 0.25% (Oct 2020). It is currently below the median 2 Year CD rate we track (3.66% across 127 banks).

3.50% APY

down from 3.60% on Feb 16

Last checked: Nov 9 · 18 hours ago
Minimum deposit: $5,000

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See the full Capital One 2 Year CD rate history »

Capital One CD Rate - 2 Year CD - Rate History

Now 3.50% APY

All-time high 4.40% (Aug 2023)
Low 0.25% (Oct 2020)
1-year change 0.00
70 changes
Tracked since Oct 2009
Full rate history »

The gray line is the median 2 Year CD rate across the banks we tracked each month.

Rate changes

Date	APY	Change
February 16, 2026	3.50%	−0.10
December 10, 2025	3.60%	+0.10
October 22, 2025	3.50%	−0.10
September 16, 2025	3.60%	−0.20
July 22, 2025	3.80%	+0.30
December 20, 2024	3.50%	−0.10
November 24, 2024	3.60%	−0.10
November 5, 2024	3.70%	+0.15
October 28, 2024	3.55%	−0.15
September 18, 2024	3.70%	−0.10
September 10, 2024	3.80%	−0.20
April 15, 2024	4.00%	−0.20
March 14, 2024	4.20%	−0.10
January 19, 2024	4.30%	−0.10
August 12, 2023	4.40%	+0.05
July 30, 2023	4.35%	+0.05
December 21, 2022	4.30%	+0.20
October 28, 2022	4.10%	+0.80
September 28, 2022	3.30%	+0.30
September 9, 2022	3.00%	+0.20

Show all 70 changes

Date	APY	Change
August 17, 2022	2.80%	+0.20
July 28, 2022	2.60%	+0.35
June 28, 2022	2.25%	+0.15
June 13, 2022	2.10%	+0.10
May 26, 2022	2.00%	+0.30
May 5, 2022	1.70%	+0.10
April 21, 2022	1.60%	+0.70
April 5, 2022	0.90%	+0.10
March 3, 2022	0.80%	+0.10
November 11, 2021	0.70%	+0.45
October 8, 2020	0.25%	−0.15
September 11, 2020	0.40%	−0.35
June 15, 2020	0.75%	−0.35
May 22, 2020	1.10%	−0.25
May 15, 2020	1.35%	−0.05
April 6, 2020	1.40%	+0.45
March 13, 2020	0.95%	−0.85
September 13, 2019	1.80%	−0.40
August 29, 2019	2.20%	−0.15
June 30, 2019	2.35%	−0.25
May 31, 2019	2.60%	−0.15
May 14, 2019	2.75%	−0.05
January 9, 2019	2.80%	+0.10
November 13, 2018	2.70%	+0.10
September 24, 2018	2.60%	+0.10
June 27, 2018	2.50%	+0.15
May 18, 2018	2.35%	+0.10
April 18, 2018	2.25%	+0.05
February 14, 2018	2.20%	+0.35
December 7, 2017	1.85%	+0.10
November 8, 2017	1.75%	+0.55
September 14, 2017	1.20%	−0.40
July 6, 2017	1.60%	+0.15
May 10, 2017	1.45%	−0.15
March 14, 2017	1.60%	+0.15
December 9, 2016	1.45%	+0.35
July 2, 2016	1.10%	−0.20
June 25, 2016	1.30%	+0.20
March 2, 2016	1.10%	−0.40
February 14, 2016	1.50%	+0.20
December 13, 2015	1.30%	+0.30
June 18, 2015	1.00%	−0.10
May 13, 2015	1.10%	+0.70
August 24, 2011	0.40%	−0.25
June 8, 2011	0.65%	−0.10
August 11, 2010	0.75%	−0.50
February 9, 2010	1.25%	−0.75
November 27, 2009	2.00%	−0.20
November 14, 2009	2.20%	−0.10
October 30, 2009	2.30%	first tracked

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Common questions

What is the Capital One 2 Year CD rate today?

The Capital One 2 Year CD pays 3.50% APY as of November 9, 2026, checked 18 hours ago.

How does the Capital One 2 Year CD compare with other 2 Year CDs?

It pays 3.50% APY. The median across the 127 2 Year CD rates RateBrain tracks is 3.66%, so it is 0.16 percentage points below the median.

What has the Capital One 2 Year CD paid over time?

Since RateBrain began tracking it in 2009, it has paid as much as 4.40% (Aug 2023) and as little as 0.25% (Oct 2020).

Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.