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)
Term of Deposit | Minimum Balance to earn APY | Interest Rate | Annual Percentage Yield |
---|---|---|---|
Term of Deposit91 Days |
Minimum Balance to earn APY$1,000.00 |
Interest Rate2.47% |
Annual Percentage Yield2.50% |
Term of Deposit182 Days |
Minimum Balance to earn APY$1,000.00 |
Interest Rate4.69% |
Annual Percentage Yield4.80% |
Term of Deposit8 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate4.21% |
Annual Percentage Yield4.30% |
Term of Deposit10 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate4.16% |
Annual Percentage Yield4.25% |
Term of Deposit12 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate3.92% |
Annual Percentage Yield4.00% |
Term of Deposit14 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate3.83% |
Annual Percentage Yield3.90% |
Term of Deposit19 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate3.44% |
Annual Percentage Yield3.50% |
Term of Deposit24 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate3.44% |
Annual Percentage Yield3.50% |
Term of Deposit30 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate3.44% |
Annual Percentage Yield3.50% |
Term of Deposit36 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate3.20% |
Annual Percentage Yield3.25% |
Term of Deposit42 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate2.96% |
Annual Percentage Yield3.00% |
Term of Deposit48 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate2.71% |
Annual Percentage Yield2.75% |
Term of Deposit60 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate2.47% |
Annual Percentage Yield2.50% |
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)
Minimum Balance to Earn APY | Interest Rate | Annual Percentage Yield |
---|---|---|
Minimum Balance to Earn APYBelow $999.99 |
Interest Rate0.00% |
Annual Percentage Yield0.00% |
Minimum Balance to Earn APY$1,000 to $9,999.99 |
Interest Rate0.50% |
Annual Percentage Yield0.50% |
Minimum Balance to Earn APY$10,000 to $24,999.99 |
Interest Rate0.50% |
Annual Percentage Yield0.50% |
Minimum Balance to Earn APY$25,000 to $49,999.99 |
Interest Rate0.75% |
Annual Percentage Yield0.75% |
Minimum Balance to Earn APY$50,000 to $99,999.99 |
Interest Rate0.75% |
Annual Percentage Yield0.75% |
Minimum Balance to Earn APY$100,000 to $199,999.99 |
Interest Rate1.24% |
Annual Percentage Yield1.25% |
Minimum Balance to Earn APY$200,000 and above |
Interest Rate2.23% |
Annual Percentage Yield2.25% |
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)
Minimum Balance to Earn APY | Interest Rate | Annual Percentage Yield |
---|---|---|
Minimum Balance to Earn APYBelow $9,999.99 |
Interest Rate0.05% |
Annual Percentage Yield0.05% |
Minimum Balance to Earn APY$10,000 and above |
Interest Rate4.21% |
Annual Percentage Yield4.30% |
Passcard Savings Account Rates
Simple savings account for unexpected expenses or special purposes.
Interest Rates and Annual Percentage Yields (APY)
Minimum Balance to Earn APY | Interest Rate | Annual Percentage Yield |
---|---|---|
Minimum Balance to Earn APYBelow $99.99 |
Interest Rate0.00% |
Annual Percentage Yield0.00% |
Minimum Balance to Earn APY$100 and above |
Interest Rate0.05% |
Annual Percentage Yield0.05% |
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)
Minimum Balance to Earn APY | Interest Rate | Annual Percentage Yield |
---|---|---|
Minimum Balance to Earn APYBelow $99.99 |
Interest Rate0.00% |
Annual Percentage Yield0.00% |
Minimum Balance to Earn APY$100 and above |
Interest Rate0.05% |
Annual Percentage Yield0.05% |