Certificate of Deposit

CDs are the smart choice for growing your savings. Whether you're planning for long-term goals or adding stability to your investment strategy, our CD options can help you achieve financial security.


Capitol Federal’s Certificates of Deposit (CDs) offer some of the most competitive interest rates in the area, providing a secure and profitable way to grow your savings. With a variety of short- and long-term options, our CDs are ideal for those aiming to achieve long-term financial goals, save for retirement, or add a reliable investment to their savings strategy. There’s no better time to start securing your financial future. 

Certificates of Deposit are perfect for:

  • Long-term savings goals
  • Retirement savings
  • Secure investments 
  • A CD laddering strategy

    Individual Retirement Accounts (IRAs)

    Secure your retirement with Capitol Federal® by investing in an IRA that offers stable returns and a variety of options. Whether you're looking for competitive rates through our range of Certificate of Deposit terms or prefer the flexibility of a variable rate Savings IRA, we have a plan tailored to your needs. Choose a Traditional IRA with CD terms of up to 4 years, or explore Roth and Educational IRAs with terms up to 5 years. Start planning your future with confidence today.

    Compare Checking Accounts

    We offer simple accounts that allow you to conveniently access and manage your money your way.  Compare checking accounts and select the best option for you.

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    March 12, 2025

    Chairman's Desk - Spring 2025

    With the year’s most vibrant season upon us, I’m pleased to share some updates and express my sincere gratitude for your continued trust in Capitol Federal® as your banking partner. This spring, we’re looking forward to introducing both new and familiar services designed to meet your evolving financial needs.
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