Capital One 360 1-Year CD vs Sallie Mae 18-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 | SM Sallie Mae 18-Month CD Sallie Mae Bank 93/100 | |
|---|---|---|
| Tier | Essential | Essential |
| APY | 3.90% | 4.00% |
| Term | 12 months | 18 months |
| Minimum deposit | $0 | $2,500 |
| FDIC insured | Yes | Yes |
| Annual fee | — | — |
| Best for | Savers who want to lock a strong 1-year rate with no minimum | Savers who can lock $2,500+ for 18 months at a top rate |
| View profile | View profile |
Which should you choose: the Capital One 360 1-Year CD or the Sallie Mae 18-Month CD?
The Capital One 360 1-Year CD is the stronger pick of the two, with a money8020 score of 94/100 versus 93. Choose the Sallie Mae 18-Month CD instead if savers who can lock $2,500+ for 18 months at a top rate.
On aPY, the Capital One 360 1-Year CD shows 3.90% versus the Sallie Mae 18-Month CD's 4.00%. On term, the Capital One 360 1-Year CD shows 12 months versus the Sallie Mae 18-Month CD's 18 months. On minimum deposit, the Capital One 360 1-Year CD shows $0 versus the Sallie Mae 18-Month CD's $2,500. 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 Sallie Mae 18-Month CD: FAQ
Is the Capital One 360 1-Year CD or the Sallie Mae 18-Month CD better?
By our scoring, the Capital One 360 1-Year CD edges ahead with a money8020 score of 94/100 versus 93. The Sallie Mae 18-Month CD can still be the better fit if savers who can lock $2,500+ for 18 months at a top rate.
What is the main difference between the Capital One 360 1-Year CD and the Sallie Mae 18-Month CD?
On aPY, the Capital One 360 1-Year CD offers 3.90% while the Sallie Mae 18-Month CD offers 4.00%. Review the full table above and confirm current terms with each provider. This is not financial advice.