Capital One, National Association CD early withdrawal penalty

Capital One, National Association
CD early withdrawal penalty

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Published terms reviewed; calculation inputs still required

We have reviewed the published terms below. They do not establish every detail needed for a bank-specific dollar calculation, so the estimator requires your own agreement inputs. We do not fill those gaps with assumptions.

360 CD — published withdrawal terms

Capital One’s disclosure assigns a three-month-interest penalty to CDs with original terms of 12 months or less, and six months of interest to longer terms. The penalty applies whenever the CD is redeemed before maturity and can exceed the interest earned. Partial principal withdrawals are not permitted during the term. A full withdrawal is permitted at maturity, and the disclosure provides ten calendar days after maturity to redeem or change the CD without a penalty. It also describes a penalty waiver after an owner’s death or legal incompetence.

Reviewed the official 360 CD disclosure dated July 15, 2026, matched to Capital One, N.A. (FDIC 4297). The cited penalty paragraph does not establish a simple annual-rate-divided-by-12 formula, so TFS does not prefill that assumption. Confirm the calculation method and the terms applicable to your own opening or renewal date. This is a terms summary, not a redemption quote.

TFS assisted source review: Aug 31, 2026 · Last source check: Aug 31, 2026 · Official source

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Estimate a full principal withdrawal before maturity. Amounts stay in this page and are not sent to TFS. Your institution must confirm eligibility and the final redemption quote.

Enter the terms from your disclosure

These are your inputs, not verified Capital One, National Association terms. This manual model supports simple days/months of interest or all interest earned. Percentage fees, tiered formulas, special minimums, and exceptions need an institution quote.

Penalty formulaPenalty daysInterest year basisCan the penalty reduce principal?

CD principal ($)Contractual annual interest rate (%)Use the interest rate on your CD agreement, not the advertised APY.Interest still on deposit and payable ($)Exclude interest already paid out. Use your institution’s current figure.

Compare holding this CD with reinvesting the proceeds until the same maturity date.I checked that these terms apply to my product, original term, and deposit date. This is a full withdrawal before maturity, outside any special withdrawal window. Any early-holding-period minimum has been accounted for.

Capital One, National AssociationCD early withdrawal penalty

Published terms reviewed; calculation inputs still required

360 CD — published withdrawal terms

What would closing your CD cost?

Located source pages

Capital One, National Association
CD early withdrawal penalty