* The above annual
percentage yields (APYs) are effective as of 7/23/2010 and may change at any time.
** Interest counter displays an estimate of interest paid to customers since 1997.
InterestPlus Online Savings Accounts: *APY in effect as of 7/23/2010 1.35% APY applies to account balances of $1,000–$9,999.99, $10,000–$99,999.99, and $100,000 or more. 0.10% APY applies to balances less than $1,000. 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. Rate Disclosure
High Yield Money Market Accounts:
1.10% APY applies to account balances of $0.01–$4,999.99, $5,000–$9,999.99, $10,000–$24,999.99, $25,000–$49,999.99, $50,000–$99,999.99, and $100,000 or more. Rates are variable and may change at any time. Minimum deposit required to open the account is $1. No minimum balance is required. Terms and conditions of this offer may change at any time. Withdrawal limits apply.
Rate Disclosure
Rewards Money Market Account Information and Earning Miles: 1.01% APY applies to account balances of $0.01-$99.99, $100-$4,999.99, $5,000-$9,999.99, $10,000-$24,999.99, $25,000-$49,999.99, $50,000-$99,999.99, and $100,000 or more. You will earn 1 mile for every $20 of average balance for each month your Rewards Money Market account is open. Rewards apply to average balance for the month only. Rewards will be calculated as specified above and then rounded to the nearest whole increment. Your account must be open and in good standing (not overdrawn) to redeem rewards. Miles will be applied to the rewards balance on a monthly basis within 60 days after the end of each month. Limit one open Rewards Money Market account per customer. Capital One has the right to change or cancel this rewards program at any time. Terms and conditions of this offer may change at any time. Minimum initial deposit amount is $1. Rates are variable and may change at any time. Withdrawal limits apply.
Rate Disclosure
Rewards Account Opening Bonus: If you deposit $500 or more within 30 days of your rewards enrollment date, you will receive a one-time bonus of 2,500 miles for the first Rewards Money Market account you open. This bonus will be applied to your rewards balance within 60 days of the minimum qualifying deposit amount posting to the account.
Rewards Redemption: The number of miles required for travel redemption will depend on the cost of the itinerary you choose at the time of redemption. The mileage requirement is as follows: 15,000 miles are required for tickets up to $150.00; 35,000 miles are required for tickets from $150.01 up to $350.00; 60,000 miles are required for tickets from $350.01 up to $600.00. For tickets over $600.00 in value, the required number of miles will be determined by multiplying the cost of the ticket by 100 (ex. $768 ticket requires 76,800 miles). The number of miles required to redeem for non-air travel redemptions will vary by rewards product and are subject to change at any time without notice. Once enrolled, you can visit
www.capitalone.com/nohasslerewards to register the account and to see a complete description of current redemption offers. You will be responsible for all associated taxes, airport security charges, fuel surcharges and other usage fees required for travel. These charges will be included in the overall calculation to determine the appropriate number of miles required for redemption. You can transfer your rewards between this account and other U.S. Miles or Points accounts. Please note: while you may receive rewards transfers from U.S. Cash accounts, you may not transfer rewards to them. The value of any miles redeemed for this money market product or transferred to another rewards account will be included in your year-to-date interest and year end tax reporting.
Interest Online Checking Accounts: 1.10% APY applies to account balances of $0.01 or more. Rates are variable and may change at any time. Minimum initial deposit amount is $1. First order of checks will be free. Capital One Direct Banking checking products are online products and cannot be serviced in Capital One Bank branches. Terms and conditions of this offer may change at any time. Rate disclosure
ATM Fee Reimbursement: For Capital One Interest Online Checking accounts, any fee assessed at any ATM will be reimbursed within 5 business days, up to $10 per statement period. Once this limit has been reached, all usual and customary fees apply.
Rewards Online Checking Accounts: You will earn 10 miles for every non-PIN purchase (when 'credit' is chosen at checkout) and 5 miles for every PIN-based purchase (when debit/PIN is chosen at checkout). You will also earn 10 miles for every electronic bill payment transaction via Online Bill Pay and recurring pre-authorized payment (up to 10 transactions per month), and 5 miles for all other customer initiated withdrawal transactions (up to 10 transactions per month). Rewards do not accumulate for fees or special usage charges of any kind. Miles will be applied to your rewards balance on a monthly basis within 60 days after the end of each month. Limit one consumer Rewards checking account per customer. Capital One has the right to change or cancel this rewards program at any time. 0.05% APY applies to account balances of $0.01 or more. Rates are variable and may change at any time. Minimum initial deposit amount is $1. Capital One Direct Banking checking products are online products and cannot be serviced in Capital One Bank branches. Terms and conditions of this offer may change at any time. Rate disclosure
Account Opening Bonus: You will receive a one-time bonus of 1,000 miles when the account is opened and the first transaction posts to your checking account. This bonus will be applied to your rewards balance within 60 days of the transaction amount posting to the account.
Direct Deposit Bonus: You will receive a one-time bonus of 4,000 miles when the first direct deposit transaction posts to your checking account. Direct deposit must occur within 3 months of opening to qualify. This bonus will be applied to your rewards balance within 60 days of the transaction amount posting to your account.
Anniversary Bonus: You will receive an anniversary bonus of 1,000 miles on the first rewards membership anniversary with us if at least one debit card purchase transaction is made during the first membership year. Bonus will be applied to the rewards balance within 60 days of your account anniversary.
ATM Fee Reimbursement: For Capital One Interest Online Checking accounts, any fee assessed at any ATM will be reimbursed within 5 business days, up to $10 per statement period. Once this limit has been reached, all usual and customary fees apply.
Certificates of Deposit: The APY in effect for a 6-month CD was
0.25%, the APY in effect for a 1-year CD was
1.50%, the APY in effect for an 18-month CD was
0.91%, the APY in effect for a 2-year CD was
1.25%, the APY in effect for a 30-month CD was
0.75%, the APY in effect for a 3-year CD was
1.75%, the APY in effect for a 4-year CD was
2.20%, the APY in effect for a 5-year CD was
2.50%, the APY in effect for a 7-year CD was
3.00%, and the APY in effect for a 10-year CD was
3.25%. Other rates and terms are also available. A minimum deposit of $5,000 is required to open a CD and to earn the advertised APY. A minimum deposit of $100,000 is required to open a Jumbo CD. A substantial penalty may be imposed for early withdrawal; this fee could reduce earnings. Rates may change at any time.
Rate Disclosure
Business Money Market Accounts: 1.05% APY applies to account balances of $0.01–$4,999.99, $5,000–$9,999.99, $10,000–$24,999.99, $25,000–$49,999.99, $50,000–$99,999.99, and $100,000 or more. Minimum deposit required to open the account is $1. No minimum balance required. Terms and conditions of this offer may change at any time. Rates are variable and may change at any time.
Rate Disclosure
† National Average for money market accounts as of 7/2/2010, 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.
†† Source: Informa Research Services, Inc. Calabasas, CA, as of
7/2/2010. www.informars.com. Data is based on a balance of $2,500. Although the information has
been obtained from various institutions themselves, the accuracy cannot be guaranteed.
‡ 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.
Capital One Direct Banking products and services are offered by Capital One Bank (USA), N.A., and Capital One N.A., members FDIC.
For J.D. Power and Associates Certified Call Center ProgramSM information, please visit www.jdpower.com
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