Latest Capital One Interest Rates - October 2026
Capital One, National Association (COF)
Capital One Interest Rates & Loan Products Overview
Quick Summary: Key benchmark, consumer deposit APYs, and lending products published by Capital One (COF):
Featured Rates & Products:
- Deposit Accounts & CDs: Capital One 360 Checking earns 0.10% APY, 360 Performance Savings pays 3.00% APY, and 360 Certificate of Deposit (CD) accounts yield up to 4.00% APY on 12-month terms (with no minimum opening deposit requirements).
- Auto Financing: Purchase financing through Capital One Auto Navigator at participating network dealerships offers fixed rates starting as low as 5.59% APR for 60 months and 5.86% APR for 72 months for prime borrowers.
- Mortgage Loans: Capital One exited the residential mortgage and home loan origination business in 2017–2018; residential mortgage products are not offered.
- Personal Loans: Standalone direct unsecured personal installment loans are not offered by Capital One (direct personal loans are referred via the Discover integration).
- Benchmark Index: The reference Capital One Prime Lending Rate stands at 6.75%.
💡 Financial Tip: Capital One's Auto Navigator allows prospective car buyers to pre-qualify online with zero impact to their credit score prior to visiting a participating dealer.
CD & Savings Interest Rates - COF
Unit: %/year| Term / Maturity | Branch APY | Online / Digital APY 📱 |
|---|---|---|
| Standard Savings | 0.1% | 0.1% |
| 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 →5.5% /yr
- • Promo period: 12 months
- • Max loan term: 25 years
- • Max borrowing limit: 80% of value
5.59% /yr
- • Max loan term: 6 years
- • Max borrowing limit: 80% of value
9.5% /yr
- • Max loan term: 5 years
6.5% /yr
- • Max loan term: 15 years
Calculate Loan Payments for Capital One
Simulate monthly principal and interest payments at 6.75% APR for COF with detailed amortization schedule and Excel export.
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