Capital One 360 1-Year CD vs OMB Bank 3-Month CD
Side by side on the numbers that decide it. The money8020 Score already weighs these — this is the receipts.
money8020 pick CO Capital One 360 1-Year CD Capital One 94/100 | OB OMB Bank 3-Month CD OMB Bank 81/100 | |
|---|---|---|
| Tier | Essential | Strong |
| APY | 3.90% | 4.05% |
| Term | 12 months | Yes |
| Minimum deposit | $0 | — |
| FDIC insured | Yes | — |
| Annual fee | — | — |
| Best for | Savers who want to lock a strong 1-year rate with no minimum | Savers who want a short lock-up at a strong rate |
| View profile | View profile |
Which should you choose: the Capital One 360 1-Year CD or the OMB Bank 3-Month CD?
The Capital One 360 1-Year CD is the stronger pick of the two, with a money8020 score of 94/100 versus 81. Choose the OMB Bank 3-Month CD instead if savers who want a short lock-up at a strong rate.
On aPY, the Capital One 360 1-Year CD shows 3.90% versus the OMB Bank 3-Month CD's 4.05%. On term, the Capital One 360 1-Year CD shows 12 months versus the OMB Bank 3-Month CD's Yes. Both figures are reflected in the money8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
Capital One 360 1-Year CD vs OMB Bank 3-Month CD: FAQ
Is the Capital One 360 1-Year CD or the OMB Bank 3-Month CD better?
By our scoring, the Capital One 360 1-Year CD edges ahead with a money8020 score of 94/100 versus 81. The OMB Bank 3-Month CD can still be the better fit if savers who want a short lock-up at a strong rate.
What is the main difference between the Capital One 360 1-Year CD and the OMB Bank 3-Month CD?
On aPY, the Capital One 360 1-Year CD offers 3.90% while the OMB Bank 3-Month CD offers 4.05%. Review the full table above and confirm current terms with each provider. This is not financial advice.