Capital One 360 1-Year CD vs Marcus No-Penalty CD
Side by side on the numbers that decide it. The Money 8020 Score already weighs these. This page is the receipts.
Money 8020 pick CO Capital One 360 1-Year CD Capital One 97/100 | MB Marcus No-Penalty CD Marcus by Goldman Sachs 94/100 | |
|---|---|---|
| Tier | Essential | Essential |
| 11-month APY | 4.40% | 4.00% |
| Minimum deposit | $0 | $500 |
| FDIC insured | Yes | Yes |
| 12-month APY | 4.00% | — |
| 9-month APY | 3.75% | — |
| Annual fee | — | — |
| Best for | Savers who want a short CD with no minimum | Savers who want a fixed rate but might need the money early |
| View profile | View profile |
Which should you choose: the Capital One 360 1-Year CD or the Marcus No-Penalty CD?
The Capital One 360 1-Year CD is the stronger pick of the two, with a Money 8020 score of 97/100 versus 94. Choose the Marcus No-Penalty CD instead if savers who want a fixed rate but might need the money early.
On 11-month APY, the Capital One 360 1-Year CD shows 4.40% versus the Marcus No-Penalty CD's 4.00%. On minimum deposit, the Capital One 360 1-Year CD shows $0 versus the Marcus No-Penalty CD's $500. Both figures are reflected in the Money 8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
Capital One 360 1-Year CD vs Marcus No-Penalty CD: FAQ
Is the Capital One 360 1-Year CD or the Marcus No-Penalty CD better?
By our scoring, the Capital One 360 1-Year CD edges ahead with a Money 8020 score of 97/100 versus 94. The Marcus No-Penalty CD can still be the better fit if savers who want a fixed rate but might need the money early.
What is the main difference between the Capital One 360 1-Year CD and the Marcus No-Penalty CD?
On 11-month APY, the Capital One 360 1-Year CD offers 4.40% while the Marcus No-Penalty CD offers 4.00%. Review the full table above and confirm current terms with each provider. This is not financial advice.