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 a CapFed® account online, today.

Open Now

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.

Find a CapFed® Near You

Interest Rates and Annual Percentage Yields (APY) 

Rates Effective as of: October 17, 2019

Term of Deposit Minimum Balance to earn APY Interest Rate Annual Percentage Yield
91 Days $1,000 1.73% 1.74%
182 Days $1,000 1.73% 1.75%
8 Months $1,000 1.78% 1.80%
10 Months $1,000 1.78% 1.80%
1 Year $1,000 1.88% 1.90%
14 Months $1,000 1.88% 1.90%
19 Months $1,000 1.98% 2.00%
2 Years $1,000 1.98% 2.00%
27 Months $1,000 2.12% 2.15%
30 Months $1,000 2.17% 2.20%
3 Years $1,000 2.22% 2.25%
42 Months $1,000 2.27% 2.30%
4 Years $1,000 2.32% 2.35%
5 Years $1,000 2.32% 2.35%
8 Years $1,000 2.07% 2.10%

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.

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
CD Analyzer Image

What will your CD be worth?

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

True Blue Online Resource Center Pod Image

New True Blue Online® Banking is Here

Exciting updates to online and mobile banking are here. For more information, visit our Resource Center.

Visit TBO Resource Center
Stay Connected Image

Stay Connected

Sign up now to be the first to know about special rates, offers and promotions by joining our email list. 

Sign Up