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.

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presidents' Day Cd Rate Offer - One Day Only - February 18, 2019

14 months - 2.50% APY*
34 months - 2.80% APY*
54 months - 3.00% APY*

Available for personal accounts opened in person at any Capitol Federal® office during normal business hours on Monday, February 18, 2019. Also available for accounts opened online at beginning Monday, February 18, 2019 at 8:00 a.m. CST through Monday, February 18, 2019 at 9:00 p.m. CST. Personal, retirement or personal trust account deposits only. Retirement accounts limited to 2018 and/or 2019 annual IRA contributions only. IRA rollovers, renewals, transfers and endorsements NOT eligible. Visit for more information.

*Annual Percentage Yield (APY) effective as of 02-18-19. Offer available 02-18-19 only. May be subject to early withdrawal penalty. $1,000 minimum balance to open and earn APY. Account requests accepted in person, online or by mail only. Mail requests must be received on or before February 18, 2019 and will be opened only on that date. Requests by fax, email, phone or other transmission will not be accepted. Certain restrictions apply when opening an account online. IRAs and personal trust accounts cannot be opened online.

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Interest Rates and Annual Percentage Yields (APY) 

Rates Effective as of: February 14, 2019

Term of Deposit Minimum Balance to earn APY Interest Rate Annual Percentage Yield
182 Days $1,000 0.45% 0.45%
8 Months $1,000 0.80% 0.80%
10 Months $1,000 0.85% 0.85%
1 Year $1,000 1.98% 2.00%
14 Months $1,000 1.49% 1.50%
19 Months $1,000 1.98% 2.00%
2 Years $1,000 1.79% 1.80%
27 Months $1,000 1.98% 2.00%
30 Months $1,000 2.37% 2.40%
3 Years $1,000 2.52% 2.55%
42 Months $1,000 2.57% 2.60%
4 Years $1,000 2.47% 2.50%
5 Years $1,000 2.76% 2.80%
8 Years $1,000 2.13% 2.15%

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 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.

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