Capital One CD Rate - 5 Year
Capital One's 5 Year CD pays 3.60% APY as of October 30, 2026, checked 3 days ago. Since RateBrain began tracking it in 2009, this 5 Year CD has paid as much as 4.40% (Dec 2022) and as little as 0.40% (Oct 2020). It is currently above the median 5 Year CD rate we track (3.40% across 113 banks).
3.60% APY
up from 3.50% on Dec 16, 2025
- Last checked
- Oct 30 · 3 days ago
- Minimum deposit
- $5,000
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See the full Capital One 5 Year CD rate history »
Capital One CD Rate - 5 Year CD - Rate History
Now 3.60% APY
- All-time high 4.40% (Dec 2022)
- Low 0.40% (Oct 2020)
- 1-year change +0.10
- 70 changes
- Tracked since Nov 2009
- Full rate history »
The gray line is the median 5 Year CD rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| December 16, 2025 | 3.60% | +0.10 |
| October 31, 2025 | 3.50% | −0.10 |
| September 17, 2025 | 3.60% | −0.15 |
| July 22, 2025 | 3.75% | +0.25 |
| September 18, 2024 | 3.50% | −0.10 |
| September 11, 2024 | 3.60% | −0.15 |
| August 7, 2024 | 3.75% | −0.15 |
| April 15, 2024 | 3.90% | −0.10 |
| January 22, 2024 | 4.00% | −0.10 |
| February 2, 2023 | 4.10% | −0.30 |
| December 15, 2022 | 4.40% | +0.15 |
| October 28, 2022 | 4.25% | +0.75 |
| September 28, 2022 | 3.50% | +0.25 |
| August 22, 2022 | 3.25% | +0.05 |
| August 16, 2022 | 3.20% | +0.30 |
| June 28, 2022 | 2.90% | +0.30 |
| June 8, 2022 | 2.60% | +0.10 |
| May 27, 2022 | 2.50% | +0.25 |
| May 5, 2022 | 2.25% | +0.10 |
| April 28, 2022 | 2.15% | +0.15 |
Show all 70 changes
| Date | APY | Change |
|---|---|---|
| April 21, 2022 | 2.00% | +0.80 |
| February 26, 2022 | 1.20% | +0.20 |
| November 16, 2021 | 1.00% | +0.20 |
| October 19, 2021 | 0.80% | +0.40 |
| October 8, 2020 | 0.40% | −0.20 |
| September 10, 2020 | 0.60% | −0.40 |
| June 16, 2020 | 1.00% | −0.30 |
| May 22, 2020 | 1.30% | −0.10 |
| April 8, 2020 | 1.40% | +0.55 |
| March 13, 2020 | 0.85% | −0.75 |
| September 17, 2019 | 1.60% | −0.70 |
| August 30, 2019 | 2.30% | −0.20 |
| July 1, 2019 | 2.50% | −0.40 |
| June 3, 2019 | 2.90% | −0.10 |
| May 16, 2019 | 3.00% | −0.10 |
| November 13, 2018 | 3.10% | +0.10 |
| August 7, 2018 | 3.00% | +0.10 |
| July 9, 2018 | 2.90% | +0.10 |
| May 31, 2018 | 2.80% | +0.05 |
| April 18, 2018 | 2.75% | +0.10 |
| February 14, 2018 | 2.65% | +0.20 |
| November 15, 2017 | 2.45% | +0.45 |
| September 11, 2017 | 2.00% | −0.10 |
| May 10, 2017 | 2.10% | −0.20 |
| March 16, 2017 | 2.30% | +0.30 |
| December 9, 2016 | 2.00% | +0.75 |
| June 30, 2016 | 1.25% | −0.65 |
| June 19, 2016 | 1.90% | +0.20 |
| February 20, 2016 | 1.70% | −0.30 |
| February 8, 2016 | 2.00% | −0.20 |
| December 13, 2015 | 2.20% | +0.10 |
| September 30, 2015 | 2.10% | −0.15 |
| September 12, 2015 | 2.25% | +0.23 |
| September 4, 2015 | 2.02% | −0.23 |
| June 13, 2015 | 2.25% | +0.05 |
| May 15, 2015 | 2.20% | +1.30 |
| March 18, 2013 | 0.90% | +0.15 |
| February 9, 2012 | 0.75% | −0.26 |
| January 24, 2012 | 1.01% | −0.24 |
| August 24, 2011 | 1.25% | −0.50 |
| March 22, 2011 | 1.75% | −0.55 |
| March 3, 2011 | 2.30% | +0.55 |
| September 1, 2010 | 1.75% | −0.25 |
| August 11, 2010 | 2.00% | −0.50 |
| June 26, 2010 | 2.50% | −0.46 |
| April 28, 2010 | 2.96% | −0.09 |
| April 14, 2010 | 3.05% | +0.30 |
| March 10, 2010 | 2.75% | −0.25 |
| February 3, 2010 | 3.00% | −0.25 |
| November 23, 2009 | 3.25% | first tracked |
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ShareOther Capital One rates
- 6 Month CD3.30%
- 9 Month CD3.75%
- 11 Month CD4.50%
- 1 Year CD4.00%
- 18 Month CD3.60%
- 2 Year CD3.50%
- 30 Month CD3.50%
- 3 Year CD3.50%
- 4 Year CD3.50%
- Savings3.20%
Other 5 Year CD rates
- State Bank of India5.09%
- Popular Direct5.00%
- Quorum Federal Credit Union5.00%
- Sallie Mae5.00%
- SmartyPig5.00%
- BTG Pactual US4.85%
Common questions
What is the Capital One 5 Year CD rate today?
The Capital One 5 Year CD pays 3.60% APY as of October 30, 2026, checked 3 days ago.
How does the Capital One 5 Year CD compare with other 5 Year CDs?
It pays 3.60% APY. The median across the 113 5 Year CD rates RateBrain tracks is 3.40%, so it is 0.20 percentage points above the median.
What has the Capital One 5 Year CD paid over time?
Since RateBrain began tracking it in 2009, it has paid as much as 4.40% (Dec 2022) and as little as 0.40% (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.