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Today's Featured CD 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. 

If you're new to using Certificates of Deposit in your savings strategy and are looking for both short- and long-term benefits, learn more about CD Laddering here.

Interest Rates and Annual Percentage Yields (APY) 

Rates Effective as of: October 20, 2016

Term of Deposit Minimum Balance to earn APY Interest Rate Annual Percentage Yield
91 Days $1,000 0.15% 0.15%
182 Days $1,000 0.25% 0.25%
8 Months $1,000 0.25% 0.25%
10 Months $1,000 0.45% 0.45%
1 Year $1,000 0.50% 0.50%
14 Months $1,000 0.70% 0.70%
19 Months $1,000 0.80% 0.80%
2 Years $1,000 0.90% 0.90%
27 Months $1,000 0.99% 1.00%
30 Months $1,000 1.14% 1.15%
3 Years $1,000 1.49% 1.50%
42 Months $1,000 1.49% 1.50%
4 Years $1,000 1.74% 1.75%
5 Years $1,000 1.98% 2.00%
8 Years $1,000 1.98% 2.00%

Interest compounded daily and paid quarterly for all terms except 91 Days and 182 days. The interest is compounded daily and paid at maturity for the 91 Days and 182 Days term of deposit.

A Traditional IRA also may be invested in a certificate account with a term of 4 years or less.
A Roth or Education IRA may be invested in a certificate account with a term of 5 years or less.

Click here for important information about earnings and penalties.
See Disclosure and Agreement booklet for more information.

Kent townsend, cfo, shares what sets capfed® apart

Kent Townsend, CFO, shares how Capitol Federal® has built a strong financial foundation with a customer-oriented focus and how that sets us apart from other banks.

Check back often to learn more about the economy, finances, housing and our True Blue® traditions by watching our CapFed series of videos, here on These short snippets of video will provide insights to help you make more informed decisions as you make your way through 2016 and beyond. Both our Executive Team and our employees will be featured, telling you what you need to know and what's to come. We are excited to share what it means to be True Blue.

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A CD ladder savings strategy can provide both short- and long-term benefits.  It’s simple and can be maintained with little effort.

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Choose from a Roth IRA or a Traditional IRA, both offering the opportunity to save for retirement with tax benefits. 

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