Capital One 5 Year CD Rate History (2009–2026)
RateBrain has recorded 70 rate changes for Capital One's 5 Year CD since November 23, 2009. Its highest rate was 4.40% (Dec 2022) and its lowest 0.40% (Oct 2020). It pays 3.60% APY today, last changed on December 16, 2025. The rate is unchanged from a year ago.
Current Capital One 5 Year CD rate »Capital One rate history »5 Year CD rate history »
Rate history chart
Now 3.60% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 3.60% | 3.60% | 3.60% | 0 |
| 2025 | 3.75% | 3.50% | 3.60% | 4 |
| 2024 | 4.10% | 3.50% | 3.50% | 5 |
| 2023 | 4.40% | 4.10% | 4.10% | 1 |
| 2022 | 4.40% | 1.00% | 4.40% | 12 |
| 2021 | 1.00% | 0.40% | 1.00% | 2 |
| 2020 | 1.60% | 0.40% | 0.40% | 6 |
| 2019 | 3.10% | 1.60% | 1.60% | 5 |
| 2018 | 3.10% | 2.45% | 3.10% | 6 |
| 2017 | 2.45% | 2.00% | 2.45% | 4 |
| 2016 | 2.20% | 1.25% | 2.00% | 5 |
| 2015 | 2.25% | 0.90% | 2.20% | 6 |
| 2014 | 0.90% | 0.90% | 0.90% | 0 |
| 2013 | 0.90% | 0.75% | 0.90% | 1 |
| 2012 | 1.25% | 0.75% | 0.75% | 2 |
| 2011 | 2.30% | 1.25% | 1.25% | 3 |
| 2010 | 3.25% | 1.75% | 1.75% | 7 |
| 2009 | 3.25% | 3.25% | 3.25% | 1 |
All 70 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 |
| 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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