Personal Accounts - Checking, Savings, CDs

At Capitol Federal®, our Personal Accounts offer a range of banking solutions designed to meet your individual needs, from checking and savings accounts to money market accounts and certificates of deposit. Enjoy benefits such as competitive interest rates, convenient online and mobile banking, and personalized customer service.

Personal Accounts For You

Check out our full range of personal banking accounts, including checking, savings, high yield eSavings, money market accounts, and CDs.

11-Month CD
4.25 % APY

Open online or at any CapFed® branch.

Open Online

    Simple to Manage. Simple to Use. Simple Banking.

    Simplify your everyday spending with a Simple Blue Checking account. Open an account today and receive a True Blue® Visa® debit card, granting you fee-free access to Capitol Federal® ATMs. Plus, manage your finances with ease using True Blue Online® banking and mobile apps.

    • Our most popular account
    • Open with a minimum deposit of $100
    • No monthly service charges
    • No minimum balance fees 

    True Blue Online® - Direct and Secure Access

    It’s easier than ever to check your finances wherever you are. True Blue Online® allows you to bank anywhere, anytime. Fast, easy and secure banking:

    • Pay bills
    • Check balances and account transactions
    • Transfer funds
    • See eStatements and other documents

    Wealth Management

    We are committed to helping you, and your family, achieve your financial goals. You can rely on Capitol Federal® to provide personalized investment services as part of our Brokerage Services, and handle your assets for generations to come, with care and financial stability through our Trust Services department.

    Red alert notification on phone.
    January 08, 2025

    Text Scam January 2025

    Please be aware of scammers impersonating text alerts claiming to come from Capitol Federal®.
    Read more
    John B. Dicus Chief Executive Officer headshot

    Chairman's Desk - Winter 2024

    As we approach the end of another year, it is good to take a moment to reflect on the past year we’ve shared together. As the rush of the holiday season begins, this time of year is a great opportunity to acknowledge the accomplishments of the closing year and look forward to the next. This past year was particularly exciting for Capitol Federal®.
    Read more
    Scam text on phone screen.
    November 18, 2024

    Text Scam November 2024

    Please be aware of scammers spoofing our phone number and impersonating Capitol Federal® employees.
    Read more