Capital One Checking Account Interest Rates. Capital One’s 360 Checking account is a fee-free online and mobile account. There are no minimum balance requirements to keep or open the account, with free ATMs at over 39,000 Capital One or Allpoint locations at no cost. With adjustable mortgage rates, the interest rate is fixed for the first 3, 5, 7 or 10 years of the loan term, then can adjust every year thereafter. For more information and current mortgage rates and refinance rates visit: Capital One Bank. Capital One credit card interest rates range from 0% (for a limited time) to 24.99% (V), depending on the card and the cardholder’s creditworthiness. The best Capital One credit card for low interest rates is Capital One Quicksilver because it offers 0% for 15 months followed by a regular APR as low as 15.49% - 25.49% (V) .