Capital One CD Rate - 4 Year
Capital One's 4 Year CD pays 3.50% APY as of November 9, 2026, checked 18 hours ago. Since RateBrain began tracking it in 2009, this 4 Year CD has paid as much as 4.35% (Dec 2022) and as little as 0.35% (Oct 2020). It is currently above the median 4 Year CD rate we track (3.35% across 90 banks).
3.50% APY
down from 3.95% on Sep 20
- Last checked
- Nov 9 · 18 hours ago
- Minimum deposit
- $5,000
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See the full Capital One 4 Year CD rate history »
Capital One CD Rate - 4 Year CD - Rate History
Now 3.50% APY
- All-time high 4.35% (Dec 2022)
- Low 0.35% (Oct 2020)
- 1-year change −0.45
- 54 changes
- Tracked since Nov 2009
- Full rate history »
The gray line is the median 4 Year CD rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| September 20, 2026 | 3.50% | −0.45 |
| May 9, 2024 | 3.95% | −0.25 |
| January 27, 2023 | 4.20% | −0.15 |
| December 15, 2022 | 4.35% | +0.15 |
| October 28, 2022 | 4.20% | +0.80 |
| September 29, 2022 | 3.40% | +0.25 |
| August 30, 2022 | 3.15% | +0.15 |
| August 19, 2022 | 3.00% | +0.20 |
| August 11, 2022 | 2.80% | +0.30 |
| June 28, 2022 | 2.50% | +0.20 |
| June 13, 2022 | 2.30% | +0.10 |
| May 26, 2022 | 2.20% | +0.30 |
| May 5, 2022 | 1.90% | +0.10 |
| April 28, 2022 | 1.80% | +0.55 |
| April 21, 2022 | 1.25% | +0.15 |
| March 29, 2022 | 1.10% | +0.10 |
| February 26, 2022 | 1.00% | +0.20 |
| November 16, 2021 | 0.80% | +0.15 |
| September 18, 2021 | 0.65% | +0.30 |
| October 13, 2020 | 0.35% | −0.20 |
Show all 54 changes
| Date | APY | Change |
|---|---|---|
| September 11, 2020 | 0.55% | −0.35 |
| June 22, 2020 | 0.90% | −0.30 |
| May 22, 2020 | 1.20% | −0.20 |
| March 31, 2020 | 1.40% | +0.50 |
| March 17, 2020 | 0.90% | −0.55 |
| March 9, 2020 | 1.45% | −0.20 |
| October 9, 2019 | 1.65% | +0.05 |
| October 1, 2019 | 1.60% | −0.05 |
| September 16, 2019 | 1.65% | −0.60 |
| August 23, 2019 | 2.25% | −0.20 |
| June 30, 2019 | 2.45% | −0.35 |
| May 31, 2019 | 2.80% | −0.05 |
| May 14, 2019 | 2.85% | −0.05 |
| December 14, 2018 | 2.90% | +0.05 |
| November 13, 2018 | 2.85% | +0.10 |
| September 25, 2018 | 2.75% | +0.15 |
| July 9, 2018 | 2.60% | +0.15 |
| May 31, 2018 | 2.45% | +0.05 |
| March 5, 2018 | 2.40% | +0.20 |
| December 1, 2017 | 2.20% | +0.45 |
| November 5, 2017 | 1.75% | +0.25 |
| September 11, 2017 | 1.50% | −0.30 |
| December 9, 2016 | 1.80% | +0.70 |
| June 30, 2016 | 1.10% | −0.60 |
| June 16, 2016 | 1.70% | +0.30 |
| February 17, 2016 | 1.40% | −0.36 |
| May 25, 2015 | 1.76% | +1.06 |
| March 21, 2013 | 0.70% | −0.05 |
| August 24, 2011 | 0.75% | −0.50 |
| September 2, 2010 | 1.25% | −0.25 |
| August 11, 2010 | 1.50% | −0.70 |
| June 26, 2010 | 2.20% | −0.30 |
| February 3, 2010 | 2.50% | −0.50 |
| November 23, 2009 | 3.00% | first tracked |
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ShareOther Capital One rates
- 6 Month CD3.30%
- 9 Month CD3.75%
- 11 Month CD4.50%
- 1 Year CD4.45%
- 18 Month CD3.60%
- 2 Year CD3.50%
- 30 Month CD3.50%
- 3 Year CD3.50%
- 5 Year CD3.60%
- Savings3.20%
Other 4 Year CD rates
- State Bank of India5.04%
- Quorum Federal Credit Union5.00%
- Popular Direct4.95%
- BTG Pactual US4.85%
- NASA Federal Credit Union4.75%
- Bread Financial4.65%
Common questions
What is the Capital One 4 Year CD rate today?
The Capital One 4 Year CD pays 3.50% APY as of November 9, 2026, checked 18 hours ago.
How does the Capital One 4 Year CD compare with other 4 Year CDs?
It pays 3.50% APY. The median across the 90 4 Year CD rates RateBrain tracks is 3.35%, so it is 0.15 percentage points above the median.
What has the Capital One 4 Year CD paid over time?
Since RateBrain began tracking it in 2009, it has paid as much as 4.35% (Dec 2022) and as little as 0.35% (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.