Certificate of Deposit

Certificate of Deposit

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Celebrate Presidents' Day with special cd rates!

44 months - 1.85% APY*
32 months - 1.65% APY*
15 months - 1.01% APY*

For ONE DAY ONLY, on February 20, 2017, take advantage of our special Presidents' Day CD rates. Available for personal accounts opened in person at any Capitol Federal® office on Monday, February 20, 2017 during normal business hours. Also available for accounts opened online at capfed.com beginning Monday, February 20, 2017 at 12:01 a.m. CST through Monday, February 20, 2017 at 11:00 p.m. CST. Personal, retirement or personal trust account deposits only. Retirement accounts limited to 2016 and/or 2017 annual IRA contributions only. IRA rollovers, renewals, transfers and endorsements NOT eligible.

*Annual Percentage Yield effective as of 02-20-17. Offer available 02-20-17 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. Certain restrictions apply when opening an account online. IRAs cannot be opened online. Mail requests must be received on or before February 20, 2017 and will be opened only on that date. Requests by fax, email, phone or other transmission will not be accepted.

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GUARANTEED and competitive interest rates

Capitol Federal’s Certificate of Deposit (CD) interest rates are consistently among the most competitive in the area. With our CDs, you can earn a higher interest rate than a traditional savings account and feel secure knowing your money is growing in a safe investment. 

Choose from a range of short- and long-term products to save for whatever you have in mind. 

Certificates of Deposit are perfect for…

  • Long-term savings goals
  • Retirement savings
  • Adding secure investments to an overall savings strategy

There’s never a better time to start saving – than today! See Capitol Federal's current CD interest rates below.

Open an Account

Open a CapFed® account online, today.

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Would you like to visit us in person, or find a location near you? Select the link below to search by city or zip code.

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Interest Rates and Annual Percentage Yields (APY) 

Rates Effective as of: February 20, 2017

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%
15 Months $1,000 1.00% 1.01%
19 Months $1,000 0.80% 0.80%
2 Years $1,000 0.90% 0.90%
27 Months $1,000 0.99% 0.99%
30 Months $1,000 1.14% 1.15%
32 Months $1,000 1.64% 1.65%
3 Years $1,000 1.49% 1.50%
42 Months $1,000 1.49% 1.50%
44 Months $1,000 1.83% 1.85%
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.

The following terms of deposit are Special Limited Time Offers: 15 months, 32 months and 44 months.  

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.

Individual retirement accounts (IRAs)

Retirement near or far?  Either way, achieve greater growth and tax advantages from an IRA.  Roth IRAs allow for potential tax-free withdrawals during your retirement, while Traditional IRAs may reduce your taxes now and earnings are not taxed until you take the money out.  Regardless of which you choose, IRAs offer an opportunity to save for a comfortable retirement with long-term tax benefits.

Perfect for…

  • Retirement savings
  • Old 401k rollovers
  • Tax advantages
Roth IRA Traditional IRA
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Set Your Savings on Autopilot

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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What will your CD be worth?

Calculate the potential future value and tax liability on the Certificate of Deposit of your choice.

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Blue Bucks Kids' CD

This Kids’ CD combines the interest rate of a CD with the ability to make additional deposits of $25 or more. Perfect for young savers.

More on Blue Bucks