COFCommercial Bank
Latest Capital One Interest Rates - September 2026
Capital One Financial Corporation (COF)
1-Year CD: 4% Prime Rate: 6.75%
Interest Rate Summary
Capital One Interest Rates & Loan Products Overview
Quick Summary: Official interest rates and consumer financing products published by Capital One (COF) across the United States:
Key Benchmark & Deposit Rates:
- Reference Prime Rate: Stands at 6.75%, serving as the benchmark index for credit card variable APRs and credit facilities.
- Savings & CDs: The flagship 360 Performance Savings account earns a high-yield 3.00% APY with no minimum balance requirements or monthly maintenance fees. High-interest Capital One 360 Certificates of Deposit (CDs) offer competitive yields including 3.30% APY (6 months), 3.75% APY (9 months), 4.00% APY (12 months), and 3.50% APY (24 to 36 months).
Consumer Loans & Retail Financing:
- Mortgages: Capital One exited the residential mortgage origination business and does not offer new retail home purchase or refinancing loans.
- Auto Financing: Through the Capital One Auto Navigator platform, direct new and used car financing rates start as low as 5.86% APR with repayment terms typically up to 72 months (6 years), offering soft credit pull pre-qualification.
- Personal Loans: Unsecured installment personal loans are provided through Capital One's integration with Discover Personal Loans, featuring fixed rates ranging from 7.99% to 24.99% APR with repayment periods from 36 to 84 months and zero origination fees.
- Credit Cards: Mainstream consumer credit cards (e.g., Capital One Quicksilver and Savor) feature an introductory 0% APR promotional period, followed by variable purchase APRs starting at 18.49% (extending up to 28.49% based on creditworthiness) with a minimum 25-day grace period.
💡 Financial Tip: High-yield savings rates are variable, while CD rates are locked for the duration of the term upon funding. Check real-time rate tables directly on CapitalOne.com prior to opening accounts.
CD & Savings Interest Rates - COF
Unit: %/year| Term / Maturity | Branch APY | Online / Digital APY 📱 |
|---|---|---|
| Standard Savings | 3% | 3% |
| 1 Month | - | 0% |
| 3 Months | - | 0% |
| 6 Months | 3.3% | 3.3% |
| 12 Months (Benchmark ⭐) | 4% | 4% |
| 24 Months | 3.5% | 3.5% |
| 36 Months | 3.5% | 3.5% |
Featured Loan Products - COF
Loan Guide & Terms →mortgageCOF
5.5% /yr
- • Promo period: 12 months
- • Max loan term: 25 years
- • Max borrowing limit: 80% of value
auto loanCOF
5.86% /yr
- • Max loan term: 6 years
- • Max borrowing limit: 80% of value
personal loanCOF
7.99% /yr
- • Max loan term: 5 years
student loanCOF
6.5% /yr
- • Max loan term: 15 years
Advanced Loan Calculator
Calculate Loan Payments for Capital One
Simulate monthly principal and interest payments at 6.75%/yr APR for COF with detailed amortization schedule and Excel export.
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