Capital One Savings Rate History (2009–2026)
RateBrain has recorded 66 rate changes for Capital One's savings account since May 9, 2009. Its highest rate was 4.35% (Dec 2023) and its lowest 0.40% (Dec 2020). It pays 3.00% APY today, last changed on June 5, 2026. That is down 0.50 percentage points from a year ago.
Current Capital One savings account rate »Capital One rate history »Savings rate history »
Rate history chart
Now 3.00% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 3.40% | 3.00% | 3.00% | 4 |
| 2025 | 3.80% | 3.40% | 3.40% | 4 |
| 2024 | 4.35% | 3.80% | 3.80% | 5 |
| 2023 | 4.35% | 3.30% | 4.35% | 7 |
| 2022 | 3.30% | 0.40% | 3.30% | 14 |
| 2021 | 0.40% | 0.40% | 0.40% | 0 |
| 2020 | 1.80% | 0.40% | 0.40% | 9 |
| 2019 | 1.90% | 1.00% | 1.80% | 2 |
| 2018 | 1.00% | 1.00% | 1.00% | 0 |
| 2017 | 1.00% | 0.75% | 1.00% | 1 |
| 2016 | 0.75% | 0.75% | 0.75% | 0 |
| 2015 | 0.75% | 0.75% | 0.75% | 0 |
| 2014 | 0.75% | 0.75% | 0.75% | 0 |
| 2013 | 0.75% | 0.60% | 0.75% | 1 |
| 2012 | 0.80% | 0.60% | 0.60% | 3 |
| 2011 | 1.25% | 0.80% | 0.80% | 5 |
| 2010 | 1.50% | 1.20% | 1.25% | 6 |
| 2009 | 2.01% | 1.50% | 1.50% | 5 |
All 66 rate changes
| Date | APY | Change |
|---|---|---|
| June 5, 2026 | 3.00% | −0.10 |
| May 12, 2026 | 3.10% | −0.10 |
| March 16, 2026 | 3.20% | −0.10 |
| January 12, 2026 | 3.30% | −0.10 |
| October 7, 2025 | 3.40% | −0.10 |
| June 28, 2025 | 3.50% | −0.10 |
| April 8, 2025 | 3.60% | −0.10 |
| February 7, 2025 | 3.70% | −0.10 |
| December 10, 2024 | 3.80% | −0.10 |
| November 23, 2024 | 3.90% | −0.10 |
| October 28, 2024 | 4.00% | −0.10 |
| October 2, 2024 | 4.10% | −0.15 |
| April 15, 2024 | 4.25% | −0.10 |
| December 11, 2023 | 4.35% | +0.05 |
| August 1, 2023 | 4.30% | +0.15 |
| July 13, 2023 | 4.15% | +0.05 |
| June 14, 2023 | 4.10% | +0.10 |
| June 3, 2023 | 4.00% | +0.25 |
| May 10, 2023 | 3.75% | +0.35 |
| February 9, 2023 | 3.40% | +0.10 |
| December 14, 2022 | 3.30% | +0.30 |
| October 28, 2022 | 3.00% | +0.65 |
| October 26, 2022 | 2.35% | +0.05 |
| October 19, 2022 | 2.30% | +0.15 |
| September 28, 2022 | 2.15% | +0.15 |
| September 21, 2022 | 2.00% | +0.10 |
| September 9, 2022 | 1.90% | +0.20 |
| August 17, 2022 | 1.70% | +0.40 |
| July 28, 2022 | 1.30% | +0.30 |
| June 28, 2022 | 1.00% | +0.10 |
| June 16, 2022 | 0.90% | +0.10 |
| June 7, 2022 | 0.80% | +0.10 |
| May 27, 2022 | 0.70% | +0.10 |
| April 28, 2022 | 0.60% | +0.20 |
| December 1, 2020 | 0.40% | −0.10 |
| October 2, 2020 | 0.50% | −0.15 |
| September 3, 2020 | 0.65% | −0.15 |
| August 5, 2020 | 0.80% | −0.20 |
| June 16, 2020 | 1.00% | −0.15 |
| June 3, 2020 | 1.15% | −0.15 |
| May 20, 2020 | 1.30% | −0.20 |
| March 17, 2020 | 1.50% | −0.20 |
| January 2, 2020 | 1.70% | −0.10 |
| November 15, 2019 | 1.80% | −0.10 |
| September 24, 2019 | 1.90% | +0.90 |
| December 28, 2017 | 1.00% | +0.25 |
| April 29, 2013 | 0.75% | +0.15 |
| April 4, 2012 | 0.60% | −0.05 |
| February 3, 2012 | 0.65% | −0.05 |
| January 25, 2012 | 0.70% | −0.10 |
| December 16, 2011 | 0.80% | −0.05 |
| September 22, 2011 | 0.85% | −0.16 |
| August 15, 2011 | 1.01% | −0.09 |
| March 19, 2011 | 1.10% | −0.10 |
| March 2, 2011 | 1.20% | −0.05 |
| December 16, 2010 | 1.25% | −0.05 |
| October 29, 2010 | 1.30% | −0.05 |
| October 4, 2010 | 1.35% | +0.15 |
| March 15, 2010 | 1.20% | −0.10 |
| March 11, 2010 | 1.30% | −0.10 |
| February 5, 2010 | 1.40% | −0.10 |
| November 14, 2009 | 1.50% | −0.10 |
| August 6, 2009 | 1.60% | −0.15 |
| June 4, 2009 | 1.75% | −0.10 |
| May 20, 2009 | 1.85% | −0.16 |
| May 9, 2009 | 2.01% | first tracked |
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