Interest Rates on CDs, Savings, Checking and Money Market Select

Earn interest and grow your savings with Savings Accounts, Certificates of Deposit (CDs) & Checking Accounts at Capitol Federal®. Find the best options to grow your money and achieve financial success.

Certificate of Deposit Rates

Earn interest and grow your savings with Capitol Federal's Certificate of Deposit products. CDs provide a predictable return over time and are FDIC insured to the maximum allowed by law. 

Interest Rates and Annual Percentage Yields (APY)

Rates Effective as of November 08, 2024
Term of Deposit Minimum Balance to earn APY Interest Rate Annual Percentage Yield

Term of Deposit

91 Days

Minimum Balance to earn APY

$1,000.00

Interest Rate

2.47%

Annual Percentage Yield

2.50%

Term of Deposit

182 Days

Minimum Balance to earn APY

$1,000.00

Interest Rate

4.69%

Annual Percentage Yield

4.80%

Term of Deposit

8 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

4.21%

Annual Percentage Yield

4.30%

Term of Deposit

10 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

4.16%

Annual Percentage Yield

4.25%

Term of Deposit

12 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

3.92%

Annual Percentage Yield

4.00%

Term of Deposit

14 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

3.83%

Annual Percentage Yield

3.90%

Term of Deposit

19 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

3.44%

Annual Percentage Yield

3.50%

Term of Deposit

24 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

3.44%

Annual Percentage Yield

3.50%

Term of Deposit

30 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

3.44%

Annual Percentage Yield

3.50%

Term of Deposit

36 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

3.20%

Annual Percentage Yield

3.25%

Term of Deposit

42 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

2.96%

Annual Percentage Yield

3.00%

Term of Deposit

48 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

2.71%

Annual Percentage Yield

2.75%

Term of Deposit

60 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

2.47%

Annual Percentage Yield

2.50%

Money Market Select Account Rates

Tiered-rates let you earn more interest in our Money Market Select Account as you grow your savings with the added features of a checking account.

Interest Rates and Annual Percentage Yields (APY)

Rates Effective as of November 08, 2024
Minimum Balance to Earn APY Interest Rate Annual Percentage Yield

Minimum Balance to Earn APY

Below $999.99

Interest Rate

0.00%

Annual Percentage Yield

0.00%

Minimum Balance to Earn APY

$1,000 to $9,999.99

Interest Rate

0.50%

Annual Percentage Yield

0.50%

Minimum Balance to Earn APY

$10,000 to $24,999.99

Interest Rate

0.50%

Annual Percentage Yield

0.50%

Minimum Balance to Earn APY

$25,000 to $49,999.99

Interest Rate

0.75%

Annual Percentage Yield

0.75%

Minimum Balance to Earn APY

$50,000 to $99,999.99

Interest Rate

0.75%

Annual Percentage Yield

0.75%

Minimum Balance to Earn APY

$100,000 to $199,999.99

Interest Rate

1.24%

Annual Percentage Yield

1.25%

Minimum Balance to Earn APY

$200,000 and above

Interest Rate

2.23%

Annual Percentage Yield

2.25%

eSavings Account Rates

Grow your money faster with higher rates than a traditional Passcard Savings account, and without locking those funds long term. This is an online only account. eSavings account holders must be enrolled in eStatements to earn the maximum APY.

Interest Rates and Annual Percentage Yields (APY)

Rates Effective as of November 08, 2024
Minimum Balance to Earn APY Interest Rate Annual Percentage Yield

Minimum Balance to Earn APY

Below $9,999.99

Interest Rate

0.05%

Annual Percentage Yield

0.05%

Minimum Balance to Earn APY

$10,000 and above

Interest Rate

4.21%

Annual Percentage Yield

4.30%

Passcard Savings Account Rates

Simple savings account for unexpected expenses or special purposes.  

Interest Rates and Annual Percentage Yields (APY)

Rates Effective as of November 08, 2024
Minimum Balance to Earn APY Interest Rate Annual Percentage Yield

Minimum Balance to Earn APY

Below $99.99

Interest Rate

0.00%

Annual Percentage Yield

0.00%

Minimum Balance to Earn APY

$100 and above

Interest Rate

0.05%

Annual Percentage Yield

0.05%

Genuine Blue Checking Account Rates

To make the most of your checking dollars, open a Genuine Blue checking account. The Genuine Blue account is perfect for those who maintain higher balances in their checking account, since there is no monthly service charge with an average daily balance of $1,000 or more.

Interest Rates and Annual Percentage Yields (APY)

Rates Effective as of November 08, 2024
Minimum Balance to Earn APY Interest Rate Annual Percentage Yield

Minimum Balance to Earn APY

Below $99.99

Interest Rate

0.00%

Annual Percentage Yield

0.00%

Minimum Balance to Earn APY

$100 and above

Interest Rate

0.05%

Annual Percentage Yield

0.05%