Capital One 360 CD Alternatives 2026 — Top Competitors Ranked

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Capital One 360 CD

Capital One 360 CDs offer fixed-rate certificates of deposit with competitive yields and innovative features like a 'No-Penalty CD' that allows withdrawals before maturity without fees. The platform provides terms ranging from 12 to 60 months, and all CDs come with the security of FDIC insurance thr...

8.3 Very Good

apps Top Capital One 360 CD Alternatives

The top alternative to Capital One 360 CD in 2026 is Marcus by Goldman Sachs High-Yield Savings with a score of 9.5/10, followed by U.S. Treasury I Savings Bonds (9.3) and Ally Bank Fixed Rate CDs (9.1).

Marcus by Goldman Sachs High-Yield Savings

Marcus by Goldman Sachs offers one of the most competitive fixed-rate high-yield savings accounts in the industry. Backe...

High Yield Savings Banking Fdic Insured Online Savings

9.5 Brilliant

U.S. Treasury I Savings Bonds

U.S. Treasury I Savings Bonds represent one of the most unique fixed-rate products available, combining a fixed interest...

Treasury Government Backed Inflation Protected Savings Bonds

9.3 Excellent

Ally Bank Fixed Rate CDs

Ally Bank consistently delivers some of the most competitive fixed-rate CD offerings among online banks. Their CDs featu...

Competitive Rates Online Banking Fdic Insured Certificate Of Deposit

9.1 Excellent

Marcus by Goldman Sachs High-Yield CD

Marcus CDs offer competitive fixed interest rates for varying terms, providing a safe and predictable way to grow saving...

High Yield Savings CD Goldman Sachs

9.0 Excellent

Capital One 15-Month CD

Capital One's 15-Month CD provides a fixed interest rate for a defined period, offering a balance between accessibility...

Savings CD Capital One Term Deposit

8.8 Very Good

Synchrony Bank Fixed Rate CDs

Synchrony Bank offers a robust lineup of fixed-rate CDs with competitive yields and flexible term options spanning from...

Online Banking Fdic Insured Certificate Of Deposit Varied Terms

8.8 Very Good

Betterment Fixed Income Portfolio

Betterment's Fixed Income Portfolio uses algorithmic allocation across government bonds, corporate bonds, and municipal...

Robo Advisor Automated Investing Fixed Income Diversified Portfolio

8.6 Very Good

Discover Bank Certificates of Deposit

Discover CDs offer a range of terms with fixed interest rates, providing a predictable return on savings. They are FDIC...

Savings CD Discover Term Deposit

8.5 Very Good

Fidelity U.S. Bond Index Fund

The Fidelity U.S. Bond Index Fund (FXNAX) provides broad exposure to the U.S. investment-grade bond market through a div...

Bond Fixed Income Index Fund Bond Fund

7.9 Good

U.S. Bank Certificates of Deposit

U.S. Bank offers a variety of CD terms with fixed interest rates. While rates are generally competitive within the regio...

Savings CD Us Bank Term Deposit

7.8 Good

Schwab Total Bond Market Fund

The Schwab Total Bond Market Fund (SWAGX) offers investors broad exposure to the U.S. investment-grade bond market throu...

Fixed Income Bond Fund Mutual Fund Charles Schwab

7.6 Good

Bank of America Certificates of Deposit

Bank of America provides CDs with fixed interest rates across various terms. While convenient for existing customers, ra...

Savings CD Bank Of America Term Deposit

7.5 Good

Navy Federal Fixed Rate Savings

Navy Federal Credit Union offers fixed-rate savings accounts exclusively to military members, veterans, and their famili...

Savings Credit Union Military Affiliated Fdic Alternative

7.2 Good

New York Community Bancorp (NYCB) Certificates of Deposit

NYCB offers CDs with fixed interest rates, catering to a regional customer base. Rates are generally competitive within...

Savings CD Term Deposit Nycb

7.2 Good

Webster Bank Certificates of Deposit

Webster Bank provides CDs with fixed interest rates, primarily serving customers in the New England area. Rates are comp...

Savings CD Webster Bank Term Deposit

6.8 Fair

PenFed Credit Union Fixed Rate CDs

PenFed (Peninsula Federal Credit Union) offers fixed-rate CDs as part of its product lineup, serving military members, g...

Credit Union Certificate Of Deposit Fdic Alternative Military Adjacent

6.8 Fair

First National Bank & Trust Certificates of Deposit

First National Bank & Trust offers CDs with fixed interest rates, primarily focused on a Midwestern customer base. Rates...

Savings CD Term Deposit Fnb

6.5 Fair

PNC Bank Certificates of Deposit

PNC Bank provides CDs with fixed interest rates, catering to a broad customer base. Rates are generally competitive with...

Savings CD Pnc Term Deposit

6.3 Fair

First Citizens Bank Certificates of Deposit

First Citizens Bank offers CDs with fixed interest rates, serving customers across several states. Rates are competitive...

Savings CD Term Deposit First Citizens

6.0 Fair

Old National Bank Certificates of Deposit

Old National Bank provides CDs with fixed interest rates, primarily serving customers in the Midwest and Southern region...

Savings CD Term Deposit Old National

5.8 Average

summarize Quick Comparison Summary

Alternative	Score	vs Capital One 360...	Action
Marcus by Goldman Sachs High-Yield Savings	9.5	+1.2	Compare
U.S. Treasury I Savings Bonds	9.3	+1.0	Compare
Ally Bank Fixed Rate CDs	9.1	+0.8	Compare
Marcus by Goldman Sachs High-Yield CD	9.0	+0.7	Compare
Capital One 15-Month CD	8.8	+0.5	Compare
Synchrony Bank Fixed Rate CDs	8.8	+0.5	Compare
Betterment Fixed Income Portfolio	8.6	+0.3	Compare
Discover Bank Certificates of Deposit	8.5	+0.2	Compare
Fidelity U.S. Bond Index Fund	7.9	-0.4	Compare
U.S. Bank Certificates of Deposit	7.8	-0.5	Compare

See all Fixed Rate ranked by score

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help Frequently Asked Questions

What are the best alternatives to Capital One 360 CD?

The top alternatives to Capital One 360 CD in 2026 include Marcus by Goldman Sachs High-Yield Savings, U.S. Treasury I Savings Bonds, Ally Bank Fixed Rate CDs, Marcus by Goldman Sachs High-Yield CD, Capital One 15-Month CD. Each offers unique features and is objectively scored on Lunoo to help you compare.

How does Capital One 360 CD compare to its competitors?

Our AI-powered comparison system analyzes features, pricing, user reviews, and expert opinions to provide objective scores. Capital One 360 CD scores 8.3/10. Click any alternative above to see a detailed side-by-side comparison.

Is Capital One 360 CD worth it in 2026?

Capital One 360 CD scores 8.3/10 on Lunoo, making it a highly-rated option in the Fixed Rate category. However, alternatives like Marcus by Goldman Sachs High-Yield Savings may better suit specific needs.

What is the best free alternative to Capital One 360 CD?

Several alternatives to Capital One 360 CD offer free plans or free tiers. Check the alternatives listed above and visit their websites to compare pricing and free options.

Why should I switch from Capital One 360 CD?

Common reasons users look for Capital One 360 CD alternatives include pricing, specific feature gaps, better integration needs, or simply exploring newer options. Our objective scoring helps you compare without bias.

How many alternatives to Capital One 360 CD are there?

Lunoo currently lists 20 scored alternatives to Capital One 360 CD in the Fixed Rate category, ranked by our AI-powered evaluation system.

Which Capital One 360 CD alternative has the highest rating?

Marcus by Goldman Sachs High-Yield Savings currently holds the highest rating among Capital One 360 CD alternatives with a score of 9.5/10.

Can I use Marcus by Goldman Sachs High-Yield Savings instead of Capital One 360 CD?

Marcus by Goldman Sachs High-Yield Savings is one of the top-rated alternatives to Capital One 360 CD. While they serve similar purposes in the Fixed Rate space, each has distinct strengths. Use our comparison tool above for a detailed side-by-side analysis.

What is the cheapest alternative to Capital One 360 CD?

Pricing varies among Capital One 360 CD alternatives. We recommend checking each alternative's website for current pricing. Many options in the Fixed Rate category offer free tiers or competitive pricing.

How are Capital One 360 CD alternatives ranked on Lunoo?

Lunoo uses an AI-powered scoring system that analyzes features, user reviews, expert opinions, market presence, and value to provide objective 0-10 scores. Rankings are updated continuously.

Capital One 360 CD vs Marcus by Goldman Sachs High-Yield Savings: which is better?

Capital One 360 CD scores 8.3/10 while Marcus by Goldman Sachs High-Yield Savings scores 9.5/10 on Lunoo. The best choice depends on your specific needs. Use our detailed comparison tool for a full breakdown.

Capital One 360 CD vs U.S. Treasury I Savings Bonds: which is better?

Capital One 360 CD scores 8.3/10 while U.S. Treasury I Savings Bonds scores 9.3/10 on Lunoo. The best choice depends on your specific needs. Use our detailed comparison tool for a full breakdown.

Capital One 360 CD vs Ally Bank Fixed Rate CDs: which is better?

Capital One 360 CD scores 8.3/10 while Ally Bank Fixed Rate CDs scores 9.1/10 on Lunoo. The best choice depends on your specific needs. Use our detailed comparison tool for a full breakdown.

swap_horiz Capital One 360 CD Alternatives