Capital One 360 12-Month CD
Zero minimum plus real branches. Rate is not the highest but it is accessible.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- APY: 4%
- Monthly fee: $0
- Minimum deposit: $0
- Term: 12 months
FairPrice score: 76/100
Features
- No minimum deposit
- Physical branches for questions
- Guaranteed rate
Pros
- No minimum
- Branch access
Cons
- Rate trails online-only CDs
Best for
- no minimum
- branch access
Official source · Last verified 2026-10-05