Capital One 360 1-Year CD vs Popular Direct 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 | PB Popular Direct CD Popular Bank 85/100 | |
|---|---|---|
| Tier | Essential | Strong |
| APY | 3.90% | 4.11% |
| Term | 12 months | 3.85% |
| Minimum deposit | $0 | 3.30% |
| FDIC insured | Yes | $10,000 |
| Annual fee | — | — |
| Best for | Savers who want to lock a strong 1-year rate with no minimum | Savers who can lock funds away for a fixed term |
| View profile | View profile |
Which should you choose: the Capital One 360 1-Year CD or the Popular Direct CD?
The Capital One 360 1-Year CD is the stronger pick of the two, with a money8020 score of 94/100 versus 85. Choose the Popular Direct CD instead if savers who can lock funds away for a fixed term.
On aPY, the Capital One 360 1-Year CD shows 3.90% versus the Popular Direct CD's 4.11%. On term, the Capital One 360 1-Year CD shows 12 months versus the Popular Direct CD's 3.85%. On minimum deposit, the Capital One 360 1-Year CD shows $0 versus the Popular Direct CD's 3.30%. 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 Popular Direct CD: FAQ
Is the Capital One 360 1-Year CD or the Popular Direct CD better?
By our scoring, the Capital One 360 1-Year CD edges ahead with a money8020 score of 94/100 versus 85. The Popular Direct CD can still be the better fit if savers who can lock funds away for a fixed term.
What is the main difference between the Capital One 360 1-Year CD and the Popular Direct CD?
On aPY, the Capital One 360 1-Year CD offers 3.90% while the Popular Direct CD offers 4.11%. Review the full table above and confirm current terms with each provider. This is not financial advice.