Certificate of Deposit

Certificate of Deposit

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 an account at any of our branch locations. Enter your zip code to find a CapFed® branch nearest you.


Have questions about which account is best for you?

Contact Us


Interest Rates and Annual Percentage Yields (APY) 

Rates Effective as of: December 1, 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.

Blue Bucks Kids' CD Image

limited time gift offer!

November 25 - December 24, 2016

Open a Blue Bucks Kids' CD, or add to an existing Blue Bucks Kids' CD, with $100 or more and receive a cool roll-up sled and sticker sheet for extra fun*! This special gift is only available until December 24, 2016 or while supplies last.

*CD offer available from 11/25/16 to 12/24/16 for Blue Bucks CD accounts opening in branch only. Interest compounded daily and paid quarterly. 12-month variable rate CD. The interest rate and annual percentage yield (APY) may change monthly after the account is open. Premature withdrawals from Certificates of Deposit shall be subject to a penalty. While supplies last. Limit one gift per account opened.

More on Blue Bucks Kids' CD

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
IRA Image
CD Ladder Image

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.

Start Saving
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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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Kids CD Image

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.

Learn More