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: February 15, 2018

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 0.65% 0.65%
10 Months $1,000 0.70% 0.70%
1 Year $1,000 0.80% 0.80%
14 Months $1,000 1.04% 1.05%
18 Months Variable* $500 2.00% 2.02%
19 Months $1,000 1.34% 1.35%
2 Years $1,000 1.44% 1.45%
27 Months $1,000 1.49% 1.50%
30 Months $1,000 1.54% 1.55%
3 Years $1,000 1.64% 1.65%
42 Months $1,000 1.74% 1.75%
4 Years $1,000 1.88% 1.90%
5 Years $1,000 2.13% 2.15%
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. 

*The interest rate and annual percentage yield for the 18 Month Variable CD may change on your account as often as every month. The interest rate shall be adjusted on the first day of each calendar month so that the interest rate shall equal the interest rate for U.S. Treasury two-year maturity notes as determined by the most recent U.S. Treasury auction. The minimum interest rate is .01% and the maximum interest rate is 10%.

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.

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featured cd rate


Interest Rates and Annual Percentage Yields (APY) 

Rates Effective as of: February 15, 2018

Term of Deposit Minimum Balance to earn APY Interest Rate Annual Percentage Yield
5 Years $1,000 2.13% 2.15%
Open the Featured CD at any Capitol Federal® branch or online today.

May be subject to early withdrawal penalty. $1,000 minimum balance to open and earn APY. Certain restrictions apply when opening an account online. IRAs cannot be opened online. Rates subject to change.

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