Category: Rates


    Capital one 360 bank interest rate

    capital one 360 bank interest rate

    Regarding minimum opening balances, the Capital One 360 Checking account doesn't require a deposit to get started and fees are nonexistent. Capital One's 360 Savings® account is designed to help you earn a high interest rate while giving you some liquidity. Capital One's 360 Performance Savings accounts pay 0.40% in interest. And again, there are no monthly fees and no required minimum to open or maintain an.

    Capital one 360 bank interest rate -

    Capital One Interest Rates: How To Get the Bank’s Best Rates

    Banking / Interest Rates

    Capital One bank financial services

    Goran Bogicevic /

    Capital One is a bank holding company that specializes in credit cards, auto loans, banking and savings accounts. It also offers consumers financial wellness tools, cash back on dining and entertainment, as well as your own personal Capital One assistant, Eno. Capital One customers can earn interest without any hidden fees. Check out current Capital One interest rates and suggestions on how you can get the best rates at Capital One:

    How To Get the Best Capital One Interest Rates

    Capital One boasts personal banking services and products to fit your life, promising ease and simplicity when opening a bank account. Both checking and savings accounts have no fees or minimum balance requirements to open an account. Consumers can also get five times the national average savings rate. You can open an account from virtually anywhere, and manage your money on the go with tools like CreditWise and Zelle. Interestingly, Capital One has its own Capital One Cafes, which are spaces where customers can enjoy a coffee and meet a brand ambassador — versus a bank teller. You can learn more in-person about the type of accounts Capital One offers, how to get the best interest rates and attend free financial events where everyone is welcome. Here’s an overview of the account types offered by Capital One:

    Capital One Accounts
    Account/ProductProduct Type
    360 CheckingChecking Account
    MONEYChecking Account (Teen)
    360 Performance SavingsSavings Account
    Kids SAvings AccountSavings Account
    360 IRA Savings TraditionalIRA/Savings Account
    360 IRA Savings RothIRA/Savings Account
    12-Month 360 CDCD
    24-Month 360 CDCD
    60-Month 360 CDCD

    Read: Capital One Bank Review: Full-Service Menu and No Fees

    Capital One Checking Account Interest Rates

    Capital One’s 360 Checking account is a fee-free online and mobile account. There are no minimum balance requirements to keep or open the account, with free ATMs at over 39,000 Capital One or Allpoint locations at no cost. You can earn 0.10% APY every month, regardless of the amount of money stored in your checking account. Capital One also offers a MONEY account, which is specifically geared toward teens. There are no fees associated with this account or minimum balance requirements, which is extra beneficial when starting a checking account for your kids. Your teen will also receive a free MasterCard debit card in their name, giving them some much-wanted buying power. Parents, however, should have no fear — Capital One allows you to set up text alerts so you can track your teen’s spending, and see when their balance is low. Your teen can also earn 0.10% APY on all balances, which can help create better saving habits for the future.

    Capital One Savings Account Interest Rates

    The Capital 360 Performance Savings account is high-yield with no hidden fees. Just like the checking accounts, there are no minimums to open or maintain the savings account. This high-yield savings account allows you to earn higher than the average interest rate on your balance amount. This 360 Performance Savings will earn five times the national average savings rate on all balances, with the current interest rate at 0.40%. Since there are no fees or minimums with Capital One, this means every dollar that you earn is yours to save. Capital One also offers a Kids Savings Account. This account has many of the same features of Capital One’s regular savings accounts. One such feature is an automatic savings plan that allows parents to send their child’s allowance on schedule as well as make regular deposits. The account has a 0.30% APY, and you can link to multiple accounts or create accounts for different savings goals. The 360 IRA Savings accounts comes with a 0.40% APY and has tax advantages included. This account also offers FDIC protection and are solely meant for retirement savings. If you want to save in the short-term, the 360 Performance Savings or 360 CDs would make for better options.

    Check Out: Best Savings Accounts of 2021

    Capital One CD Interest Rates

    Capital One offers several different CD accounts based on term length, such as 12 months, 24 months and 60 months. You can find the interest rates for these CD accounts below:

    Capital One CD Interest Rates
    AccountAPYMinimum Balance
    12-Month CD0.20%$0
    36-Month CD0.75%$0
    60-Month CD1.00%$0

    There’s no market risk for these CD accounts, so you can set and forget your funds with peace of mind. However, it’s important to remember you cannot access these funds until the term length ends. If you do so, there is a considerable penalty. Interest rates for CD accounts are often much higher than traditional bank account rates. As a result, CDs may be a great way to save more efficiently if you don’t need the funds for immediate use. You should be sure to keep your savings goals in mind when opening this particular account, as term lengths vary.

    Related: Capital One Walmart Card Review: Is the Rewards Credit Card a Good Deal?

    How Do Capital One’s Rates Compare To Other Banks?

    Capital One has earned a reputation as one of the best regional banks for consumers, and its competitive rates reflect that. Here’s how Capital One compares to financial institutions in the regional bank category:

    How Do Capital One’s Rates Compare?
    BankChecking Account APYSavings Account APY12-Month CD Account APY
    Capital One0.10%0.40%0.20%
    BBVA Bank0.00%0.01%0.05%
    Fulton Bank0.02%0.02%0.05%
    TD Bank0.00%0.05%0.05%

    Capital One interest rates sweep the board. Again, there are no monthly fees or minimum balance requirements on any of its products, which makes it an even better choice when it comes to your checking and savings account. Capital One interest rates can compete with the larger national banks but may hold less weight when it comes to online banks’ interest rates. When trying to find an account that best fits your lifestyle, consider whether having physical branches — and, in Capital One’s case, cafes — is more important to you than the higher interest rates offered by online banks.

    More on Capital One

    More Bank Interest Rates

    Information is accurate as of Jan. 13, 2022.

    Capital One Millions trust Grammarly’s free writing app to make their online writing clear and effective. 19-13. Like your current balance, you can usually view your available balance via your online account or mobile app, or by checking with a bank teller or ATM. Capital One, N. Capital, as equity, includes both contributed capital and earned capital. You're able to earn 2X miles on every purchase, … To use net capital losses of prior years to reduce current year taxable capital gains, claim a deduction on line 25300 of your income tax and benefit return. Free flow of capital into investments is thought to be a major component of economic growth. Working Capital Definition. The Balance Sheet and the Statement of Income are essential, Ratio, Quick Ratio, and Working Capital. SCHEDULE OF LIABILITIES. More specifically, you can check your balance: Online: To check your credit card balance online, enroll in Capital One’s online banking. 1 Thus, bank capital plays a critical role in the safety and soundness of individual banks and the banking system. Applicants with the highest credit scores get the lowest interest rates on auto loans, but Capital One Auto Finance offers a variety of interest rates to borrowers across the credit spectrum. How often are my accounts updated in Mint? How do I add a manual account in Mint? How can I delete a linked financial institution? What's new about my bank connections? Money › Banking Bank Balance Sheet: Assets, Liabilities, and Bank Capital. The Ending Balance is the last running balance of the account register. Re: Does Capital One report the last statement balance or current balance? Just as a point of information, Capital One allows you to make payments of up to 10% over your current balance. If you are a current or former Capital One customer who incurred at least one Out of Network (“OON”) ATM Balance Inquiry Fee during the Class Period, you may be entitled to benefits from this proposed class action Settlement. 31 in March) or U. The opening balance is the amount of funds in a company's account at the beginning of a new financial period. In the Description column, enter "Starting balance". Overdrive™ will not cover any non-debit card purchases, including ATM withdrawals, ACH transfers, P2P services (PayPal, Venmo, Cash App, or similar services), Current Pay transfers and checks. Capital One's reporting rate is not out of the ordinary. A bank may report a net deferred tax debit, or asset, for one tax jurisdiction, such as for federal income tax purposes, and also report at the same time a net deferred tax credit, or liability, for Capital investment is the money used by a business to purchase fixed assets, such as land, machinery, or buildings. Capital One, known for a wide range of banking products and credit cards, will refinance your current auto loan as well as provide financing for new and used car purchases. When speaking with the representative, ask if Interview Question. Capital One's top-rated checking account has no balance requirements or service fees. Meaning of Capital Stock. I'm all set with Capital One and my statement, everything is paid, and it correctly reported to the agency. Charges on a credit card, which increase your balance, show up as a positive number on a statement. If having two balances confuses you, don’t worry. Citi Priority Account Up to $1,500 Cash Bonus with required activities. It includes all unpaid transactions, except for recent transactions that are still pending. [updated 03/2003] Bank capital serves as an important cushion against unexpected losses. Without capital investment, businesses may have a hard time getting off the ground. read more. Earning Capital One miles is easy as long as you have one of four … View the latest Capital One Financial Corp. , something that adds value to your business). Additional paid-in capital. License : CC BY-4. The current balance on a credit card is the amount you owe on your account, minus any pending purchases or payments. And for a limited time, cardholders can also get up to $200 in statement credits for vacation rental purchases like Airbnb and Vrbo charged to their account within the first year. This is based on the credit limit less the current balance less any pending transactions. capital one current balance meaning


    How does Capital One 360 savings account work?

    A 360 Performance Savings account is a type of savings account that earns interest and allows you to access your money at any time. A 360 CD is a type of savings account that also earns interest, but when you deposit your money, you agree to keep it there for a specific amount of time, called a term.

    Click to see full answer.

    Furthermore, how does Capital One 360 savings work?

    How Capital One 360 saving account works. Capital One 360 functions as your traditional, brick and mortar bank does. You can set up direct deposits for your paycheck or direct debit to pay your bills. They also offer all the same mortgage and loan products as other banks do.

    Similarly, what is the interest rate on a Capital One 360 savings account? The Capital One 360 Performance Savings Account interest rate is 1.70% for all balances. That's much better than the national average of 0.09%. But the annual percentage yields, or APYs, of online savings accounts at other banks are sometimes higher.

    Just so, is Capital One savings account good?

    Savings. The basic savings account is probably the main attraction at Capital One 360. It's an account that pays a decent return with no minimums and no monthly fees. Rates change constantly, so you should check their website for up-to-the-minute rates, but you can expect to earn more than you'll earn at any big bank.

    How do I get money out of my Capital One savings account?

    The fastest way to withdraw money from your 360 Savings account is by transferring it to a connected 360 Checking account. When you do an internal transfer, the money clears instantaneously. Since 360 Checking accounts come with a debit card, you can head to an ATM after making a transfer to withdraw cash right away.


    Capital One savings account interest rates for 2022

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    Capital One savings accounts earn 0.3% to 0.4% APY — that’s up to eight times more than the national average. Here’s how much interest you could expect to earn across its savings products.

    Capital One’s savings account interest rates aren’t the absolute highest available today. For instance, SFGI Direct Savings account earns 0.51% . But Capital One savings accounts do consistently rank among the best in the nation.

    Capital One compounds interest daily and credits it to your account monthly. This means that each day you earn interest on your principal balance plus any interest you earned the day before.

    This table highlights how much interest you’d earn over time across all Capital One savings products if you made an initial $1,000 deposit, then contributed $100 a month for up to five years.

    Capital One 360 Savings0.4%$6.21$17.25$33.15$53.92$79.58
    Capital One Kids Savings0.3%$4.66$12.93$24.83$40.38$59.58

    Use this savings calculator widget to see how much interest you could earn with Capital One based on your initial deposit and monthly deposit amounts.

    Use this table to compare and sort top banks by APY, monthly fee and minimum deposit requirements. Enter your deposit amounts to see how much interest you could earn across all accounts.


    Capital One 360 Banking Review: A Solid Suite Of Products

    Capital One 360 banking review

    For years, Capital One (formerly known as Capital One 360) was the leader in online banking. Its money market and high-yield savings accounts truly had the highest yields, and its CDs and checking accounts consistently topped yield charts too.

    Unfortunately, yields and fees at Capital One are no longer best in class. If you have an account at this Internet banking giant, is it time to move it? Or is it worth staying put (or even transferring your money to Capital One)? This review gives a detailed overview of banking at Capital One.

    Promo Offer: CIT Bank. This account currently pays 0.45% APY, which is one of the highest interest rates you can get! Open a CIT Bank Money Market account here >>

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    Quick Summary

    • Huge online bank with all different account options
    • Near best in class checking and savings products
    • Still missing some features of top online banks

    Capital One 360 Details

    Product Name

    Capital One Bank

    Min Deposit



    0.40% APY

    Account Type

    Checking, Savings, CDs, Teen Checking, Kids Savings



    What Is Capital One Banking?

    Capital One was founded by Richard D. Fairbank ad Nigel Morris in 1988 as the credit card division of Signet Financial Corp. In 1994, the division was spun-out into its own company and renamed Capital One with Fairbank named its CEO.

    Over 25 years later, Fairbank still serves as Capital One's CEO. And under his leadership, the company's financial products have steadily grown. In 2012, it acquired ING Direct and rebranded the banking products as Capital One 360.

    Now, Capital One mostly refers to its banking division as Capital One Bank, but many of its underlying products still use the "360" prefix. Today, Capital One as a whole is the fifth-largest consumer bank in the U.S. and eighth-largest bank overall.

    Capital One is a huge brand, and it issues credit cards, auto loans, and more. Here are a few of its most important banking products.

    As will all Capital One banking account, there are no monthly fees for 360 Checking. And you’ll earn an annual percentage yield of 0.10% on all balances. You could also receive your direct deposit paychecks up to two days early.

    Capital One doesn’t reimburse ATM fees from other banks, but users can use 70,000+ Capital One, MoneyPass® and Allpoint® ATMs for free. Note that while Capital One ATMs can accept cash deposits, MoneyPass® and Allpoint® ATMs can't.

    Capital One 360 Checking

    It was recently announced that Capital One and CVS® have partnered up to offer another way for customers to deposit cash. Now, you can select the "Add Cash in Store" option inside the Capital One mobile app to make a deposit with a CVS cashier. With this option, you can deposit up to $999 of cash per day and 5 transactions a month.

    See how Capital One 360 Checking compares on our list of the best free checking accounts.

    Capital One eliminated their money market account and simplified their savings account - giving a top rate with no balance requirements! It yields 0.40% APY and has no monthly fees. 

    Capital One makes it really easy to set up new accounts. Want a new vacation fund, car fund, house fund, and Christmas present fund? No problem. You can easily have as many high-yield savings accounts as you want. In my experience, savings accounts are one of the best ways to ensure that you’re funding all your important goals.

    If you get paid regularly (or even if you don’t), you may want to set up an automatic savings plan that transfers money from a checking account to a savings account. These are easy to set up and adjust with Capital One.

    See how Capital One 360 Performance Savings compares to other top online savings accounts.

    Kids can earn 0.30% on all their savings balances. An adult username and password is required for actually transferring money (so kids can spend it).

    Related: Check out this list of kid and teen checking accounts.

    Teen accounts give teens a fee-free, no-minimum checking account. Teens will earn 0.10% APY on all checking account balances. At age 18, the teen account automatically becomes an adult account at Capital One. Parents have joint ownership of the MONEY account and can help teens set up savings plans, transfer money, etc.

    See how they compare to other college student checking accounts.

    Capital One offers high-yield CDs. Customers can have CDs ranging from 6 months to 60 months and rates range from 0.20% to 1.00% APY.

    See how they compare to other top bank CD rates.

    Capital One doesn’t charge any monthly fees. You also won't pay any fees for making cash withdrawals if you use one of the 70,000+ ATMs that are part of Capital One's network. Cash deposits are also free if you use a Capital One-branded ATM. It's unclear, though, if a fee will apply if you deposit cash at a CVS location.

    If you use a Capital One debit card in a foreign country, you don’t have to pay a foreign transaction fee. That's great news if you're a frequent international traveler. Note that Capital One charges $35 for overdrafts, however it offers three options to help you avoid this fee.

    The first option is Auto-Decline which, as the name suggests, simply won't allow overdraft transactions to go through. The second option is Next Day Grace which gives you a full business day to replace the overdraft amount without incurring the $35 fee. And, finally, you can choose Free Savings Transfer which moves funds automatically from your 360 Performance Savings account to cover the transaction without charging you any fees.

    How Does Capital One Bank Compare?

    While 0.40% on a savings account is a solid yield in today's low-rate environment, it's a tad lower than other top online banks such as Chime and Axos Banks. Also, many online banks will reimburse you for other bank’s ATM fees. Unfortunately, that’s not the case with Capital One. Here's a quick look at how Capital One Bank compares:

    Axos Bank logo






    Monthly Fees




    Min Deposit




    ATM Access

    70,000+ Free ATMs

    60,000+ Free ATMs


    FDIC Insured

    How Do I Open An Account?

    Capital One Bank has one of the fastest account opening processes you'll find. It only takes about 5 minutes whether you open your account online or in person. There are no minimums to get started and you can easily add beneficiaries to your account as well.

    Yes, as a member FDIC bank, Capital One's deposit accounts come with $250,000 of FDIC insurance per depositor. The company's also uses strong website encryption and offers multi-factor authentication to further protect your account.

    How Do I Contact Capital One Bank Support?

    Capital One is definitely a digital-forward bank. But depending on where you live, you may be able to access a Capital One branch or Café. You can see a list of brick-and-mortar locations here.

    If you don't happen to live near a Capital One Café or branch, you can reach out to customer support by phone at 1-800-655-BANK (2265) from 8 AM-11 PM (EST). Capital One has been accredited with the Better Business Bureau (BBB) since 1995 and currently has an A rating.

    Overall, Capital One has a solid suite of banking products and it makes it easy to manage your account online or on the go. But its yields are slightly lower than the best that are available today. If you’re looking for the top yield, we recommend Chime, CIT Bank, Axos, or Ally Bank rather than Capital One.

    Here are a few of the most common questions that people ask about Capital One Bank:

    What is a Capital One Café?

    Capital One Cafés are comfortable spaces that offer free Wi-Fi, Peet's Coffee® (50% off for Capital One cardholders), and in-person support from certified Money Coaches.

    Do you need to make a deposit to open a Capital One 360 bank account?

    No, but if you don't make your first deposit within 60 days, your account will be closed.

    Does Capital One have a no-penalty CD?

    No, all of Capital One's CDs charge fees for early withdrawals.

    Are there any Capital One Bank bonus offers?

    Not right now, but stay tuned because Capital One has been known to periodically run solid bonus offers for new customers.

    Capital One Bank Features

    Account Types

    • Checking
    • Savings
    • CDs
    • Teen Checking
    • Kids Savings

    Minimum Deposit



    • 360 Checking: 0.10%
    • 360 Performance Savings: 0.40%
    • CDs: 0.20% to 1.00%
    • Teen Checking: 0.10%
    • Kids Savings: 0.30%

    Maintenance Fees


    Overdraft Fee


    Foreign Transaction Fee



    Yes, full branches as well as Capital One Cafés

    Mobile Check Deposits


    Cash Deposits


    Checkbook Support


    ATM Availability

    70,000+ fee-free ATMs that part of the Capital One, MoneyPass® and Allpoint® networks

    Customer Service Number

    1-800-655-BANK (2265)

    Customer Service Hours

    8 AM-11 PM (EST)

    Mobile App Availability

    iOS and Android

    Bill Pay


    FDIC Certificate





    Capital One Review

    Unless you are cut off from television and mainstream media completely, you’re likely familiar with the Capital One Bank ads that promote the company’s credit cards. What many consumers don’t realize, though, is that the credit card giant is also a full-service banking provider. While this bank relies heavily on its online platform, it also maintains some physical locations in Texas, Louisiana and parts of the Mid-Atlantic region. A publicly traded company since 1995, Capital One has recently settled into its new corporate home in McLean, Virginia.

    How Capital One stacks up

    • Credit card options for all kinds of borrowers
    • Strong CD rates
    • Excellent mobile app
    • Limited branch network
    • High minimum deposit for money market accounts
    • High overdraft fees


    What’s interesting about Capital One Bank

    You’ll find the expected menu of banking services at Capital One, and its 360 platform is designed to let you bank from anywhere at any time. Its mobile app comes highly rated by both Google Play and Apple, with J.D. Power ranking it the highest in customer satisfaction for two years in a row. Another interesting facet of Capital One’s operations lies in its marketing efforts aimed toward the younger generation. Kids of all ages can be joint owners on basic, no-fee savings accounts and teenagers can learn money management through free checking options.

    Things to consider

    Not everyone is suited for cyber-banking. Many traditional banking customers want the personal touch that comes with periodic branch visits. If you’re one of the many folks who’d rather conduct their money management pursuits with a live person, Capital One won’t work if you live outside the footprint of physical locations. For an online bank that competes based on low opening balances, stashing dollars in Capital One’s money market can be prohibitive due to excessive minimums required.

    Checking and savings accounts

    Regarding minimum opening balances, the Capital One 360 Checking account doesn’t require a deposit to get started and fees are nonexistent. Leaning on the strength of its mobile app, deposits can be made simply by snapping a picture of a check. The bank provides a good faith overdraft protection system that allows you to exceed your balance if you make a next day deposit of the amount you’re overdrawn at minimum. Fail to make that deposit and a significant $35 overdraft fee will follow.

    The Capital One 360 Performance Savings option turns out a 1.9% annual percentage yield (APY) on any account balances and presents a high-yield account with a solid rate. There is no minimum balance requirement and the bank does not levy any fees on account holders. If you wish to set and forget your savings deposits, an automated tool takes care of those periodic transfers from checking. With no fees and a rate that sits at about five times the national average, it’s hard to find fault with Capital One’s 360 Performance Savings.

    Money market accounts

    Where yield matters, you might choose a money market account that offers a little extra reach on APY. In the case of Capital One’s Money Market option, there’s no current differentiator between it and a statement savings account in terms of rate. Each account gives you a 1.9% rate with the ability to make withdrawals without penalties or transfers on a daily basis.

    The choice between accounts boils down to minimum balances, however. The Capital One Money Market mandates that you pony up $10,000 to open an account, whereas no minimum exists with the 360 Performance Savings. All else being equal, it’s difficult to imagine opting for this money market option when you can grab better rates with lower minimums through similar online products from other banks.


    Certificates of deposit (CD) in the Capital One 360 realm range from 6-month to 60-month terms. Across the banking spectrum, you won’t find a ton of differentiation when it comes to the basic mechanics of a CD, except when you’re shopping for CD rates. Early withdrawal penalties on short-term CDs — 12 months or less — will amount to three months of interest, and with terms longer than one year, you’ll forfeit six months of interest by pulling out your money before the full term has been met.

    Rates for Capital One CD options stack up admirably against competitors. The 12-month term fetches an APY of 2.20%, which sits at or near the top of the rates online banks offer on one year CDs. What’s more, Capital One allows you to open a CD with a deposit of any size.

    Credit cards

    Capital One has a credit card to meet every need, from individuals looking to build their credit to customers with well-established scores. They offer a total of 18 cards. Here’s a snapshot of three options that cater to cardholders with various credit standing:

    Capital One® VentureOne® Rewards Credit Card

    • Purchase APR: 0% introductory APR for 18 months, with a 14.24%-24.24% variable APR thereafter
    • Transfer APR: 13.74%-23.74% variable APR, with no transfer fee
    • Annual Fee: None
    • Credit Requirement: Excellent
    • Perk: Earn 20,000 bonus miles after spending $1000 on purchases within the first three months of account opening

    Capital One® QuicksilverOne® Cash Rewards Credit Card

    • Purchase APR: 26.99% variable APR
    • Transfer APR: 26.99% variable APR with no transfer fee
    • Annual Fee: $39
    • Credit Requirement: Average
    • Perk: Earn unlimited 1.5% cash back on every purchase

    Capital One® Secured Mastercard®

    • Purchase APR: 26.99% variable APR
    • Transfer APR: 26.99% variable APR with no transfer fee
    • Annual Fee: None
    • Credit Requirement: Rebuilding
    • Perk: Refundable deposit of $49, $99, or $200 secures a $200 initial credit line. Higher limits can be accessed by making timely payments in the first five months.

    Personal loans

    Unfortunately, Capital One does not extend unsecured personal loan offers to its customers. If you’re looking for a personal loan, try out SoFi. SoFi believes in helping people with their personal finances, so it has set up an array of services, including career coaching, financial planning advisement, member events and rate discounts. With SoFi, customers can get low, fixed-rate personal loans between $5,000 and $100,000 for debt consolidation, medical procedures, travel, relocation and more.

    Mortgage loans

    Capital One, while it used to offer mortgage loans to customers, no longer does. For a mortgage loan, try out Reali Loans. As the lending arm of real estate brokerage, Reali, Reali Loans works with you from the beginning of your home shopping experience to help you find and fund the house of your dreams with licensed real estate agents and brokers. Then, simply get the funds for your new house with Reali Loans, thus streamlining the entire process. Because it’s an online mortgage lender, it keeps overhead low, and those savings are truly passed on to the customer. It even sends you a check for what the commission would be when you close on your new home.

    Mortgage refinancing

    Capital One does not offer mortgage refinancing. While it did at one point, this bank discontinued its mortgage financing and no longer services its loans either. If you’re looking for a mortgage refinancing provider with a ton of options, try looking into Rocket Mortgage by Quicken Loans. Everything can be done online, and because Quicken Loans is the largest mortgage provider in the country, it has a ton of different terms and rates to choose from.

    Home equity loans and HELOCs

    This bank doesn’t offer any mortgage-related products, which includes home equity loans and HELOCs. If you want to take advantage of your home’s equity, try looking into Fifth Third Bank’s home equity products. Its HELOCs have some of the lowest interest rates available, plus the process to apply is simple and can be done online.

    Car loans

    Capital One consistently secures itself a spot on the top lists of car loan originators, and it’s no surprise why. With a proprietary Auto Navigator tool to help car shoppers find their new sets of wheels and competitive rates, Capital One has deserved that recurring spot. Customers can pre-qualify for auto loans with Capital One without impacting their credit scores, then take that to the dealership and fund a new vehicle. Customers must borrow at least $4,000, but interest rates are as low as 3.59% — not the lowest out there, but still highly competitive.

    The final word

    Capital One Bank, with 18 credit card options, ubiquitous advertisements and an aggressive snail-mail campaign, likely needs no introduction. It has a solution for every borrower. While customers seeking brick-and-mortar banking services will be out of luck in 42 states, tech savvy customers will love Capital One’s mobile app and the ability to manage their money on the go. Capital One is best for patrons who want the convenience of digital banking, but customers who need face-to-face interaction should probably seek out another bank to meet their needs.

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    Posted by: | on October 2, 2012
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