Capital One 2 Year CD Rate History (2009–2026)
RateBrain has recorded 70 rate changes for Capital One's 2 Year CD since October 30, 2009. Its highest rate was 4.40% (Aug 2023) and its lowest 0.25% (Oct 2020). It pays 3.50% APY today, last changed on February 16, 2026. That is down 0.10 percentage points from a year ago.
Current Capital One 2 Year CD rate »Capital One rate history »2 Year CD rate history »
Rate history chart
Now 3.50% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 3.60% | 3.50% | 3.50% | 1 |
| 2025 | 3.80% | 3.50% | 3.60% | 4 |
| 2024 | 4.40% | 3.50% | 3.50% | 9 |
| 2023 | 4.40% | 4.30% | 4.40% | 2 |
| 2022 | 4.30% | 0.70% | 4.30% | 13 |
| 2021 | 0.70% | 0.25% | 0.70% | 1 |
| 2020 | 1.80% | 0.25% | 0.25% | 7 |
| 2019 | 2.80% | 1.80% | 1.80% | 6 |
| 2018 | 2.70% | 1.85% | 2.70% | 6 |
| 2017 | 1.85% | 1.20% | 1.85% | 6 |
| 2016 | 1.50% | 1.10% | 1.45% | 5 |
| 2015 | 1.30% | 0.40% | 1.30% | 3 |
| 2014 | 0.40% | 0.40% | 0.40% | 0 |
| 2013 | 0.40% | 0.40% | 0.40% | 0 |
| 2012 | 0.40% | 0.40% | 0.40% | 0 |
| 2011 | 0.75% | 0.40% | 0.40% | 2 |
| 2010 | 2.00% | 0.75% | 0.75% | 2 |
| 2009 | 2.30% | 2.00% | 2.00% | 3 |
All 70 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 |
| 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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