InterestPlus Online Savings Account InterestPlus Online Savings

Our InterestPlus Online Savings Account offers one of the best savings rates among the top national banks, with a balance of $2,500 or more. Earn very competitive interest with very little effort plus a 10% bonus on interest earned with this InterestPlus Online Savings Account.

  • What is an InterestPlus Online Savings account?
    InterestPlus Online Savings is an online savings account that gives you:
    • 1.25% annual percentages yield (APY) with $2,500 or more in the account. That's one of the best savings rates among the top national banks
    • PLUS an extra 10% quarterly bonus on your interest earned. Just keep a balance of at least $15,000 in your savings account each month or use a Capital One credit card at least once a month to qualify.
  • Exceptional savings rates
    One of the best savings rates among the top national banks.
  • Easy online transfers
    Access your money securely and easily with free online transfers to and from your existing external bank accounts.*
  • No fees
    Rest easy knowing fees don't apply to this account.
  • Electronic statements
    Your account statements will be delivered exclusively through Online Banking — that's less mail to deal with every month.
  • FDIC insured to at least $250,000 per depositor
    You know your money is safe with us. The Federal Deposit Insurance Corporation (FDIC) now provides insurance on deposits in Capital One Bank (USA), N.A. to at least $250,000 per depositor, per institution. This increase to $250,000 has been extended through December 31, 2013.

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  • 1.25%
    APY*
    With $2,500 or more
    • One of the best rates among the top national banks
    • 10% bonus on interest earned for qualifying accounts
    • No monthly fees
    • FDIC insured
    View our rates and terms

    Open an Online Savings Account

  • 1.05%
    APY*
    • Great rate backed by FDIC insurance
    • No monthly fees, no minimum balance
    • Free online transfers, checks and ATM card*
    Learn more about High Yield Money Market

    Open a High Yield Money Market account

  • 1.01%
    APY*
    • Great rate backed by FDIC insurance
    • 2,500 bonus miles*
    • Earn rewards for saving
    • No monthly fees, no minimum balance
    Learn more about Rewards Market

    Open a Rewards Money Market account

  • 2.75%
    APY*
    5-year term    
    • Fixed rates backed by FDIC insurance
    • No monthly fees to open or maintain your account
    • Convenient online access
    Learn more about Certificates of Deposit

    View our rates and terms

    Open a Certificates of Deposit account

  • 1.01%
    APY*
    • Great rate backed by FDIC insurance
    • Easy access with checks*
    • No monthly fees, no minimum balance
    Learn more about Business Money Market

    Open a Business Money Market account

*   The above annual percentage yields (APYs) are effective as of 3/12/2010 and may change at any time.

InterestPlus Online Savings Accounts: *APY in effect as of 3/12/2010 1.25% APY applies to account balances of $2,500–$9,999.99, $10,000–$99,999.99, and $100,000 or more. 0.00% APY applies to balances less than $2,500. Rates are variable and may change at any time. Minimum deposit required to open the account is $2,500. Withdrawals by online transfer are limited to six per calendar month. Each quarterly bonus will be equal to 10% of the interest earned on this account in the previous quarter. In order to be eligible to receive this bonus, your InterestPlus Online Savings account must be open, and you must either maintain an average monthly balance of at least $15,000 in this account every month during the previous quarter, or, you must be an owner of an active Capital One Credit Card in good standing (not restricted, not over limit, not past due), with at least one transaction per calendar month. The bonus will be paid to your InterestPlus Online Savings account within 4-8 weeks after the end of each quarter and will be reflected on your periodic statement. This account offers electronic statements only. The amount of the bonus may be reported to the IRS as required by applicable law. Terms and conditions of this offer may change at any time.

‡ This chart represents interest earned for one year assuming no withdrawals plus the 10% bonuses on the interest earned. Actual interest and bonus earned may vary.
† National Average for money market accounts as of 3/10/2010, Informa Research Services, Inc., Calabasas, CA, www.informars.com, based on balance of $10,000. Although the information has been obtained from various institutions, the accuracy cannot be guaranteed.
Capital One Direct Banking products and services are offered by Capital One Bank (USA), N.A., and Capital One N.A., members FDIC.

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