Individual Retirement Account

you have options

When you invest your retirement savings in an IRA at Capitol Federal®, you earn stable returns you can count on, from a variety of options. You’ll be able to choose from a wide range of our Certificate of Deposit terms for attractive, competitive rates. Or choose from our variable rate Savings IRA giving you the ability to make additional deposits.

Traditional IRAs may be deposited in any CD term of 4 years or less. Roth and Educational IRAs may be deposited in any CD term of 5 years or less.

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Do you have questions about which IRA is best for you?

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featured cd rate

Interest Rates and Annual Percentage Yields (APY) 

Rates Effective as of: December 05, 2019

Term of Deposit Minimum Balance to earn APY Interest Rate Annual Percentage Yield
19 Months $1,000 1.88% 1.90%
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 and personal trust accounts cannot be opened online. Rates subject to change.

traditional ira

Allow your investment earnings to grow potentially tax-free until you withdraw them in retirement.  Contributions may be tax-deductible, allowing you to lower your current tax bill. When you retire, your withdrawals are taxed as regular income. Anyone, under age 70½ , who has earned income equal to or greater than his or her IRA contribution, is eligible to open a Traditional IRA.

May be good for…

  • Reducing your current taxes
  • Customers under age 70½ with earned income
  • Simple retirement investment option
  • FDIC-insured, secure investment
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Roth IRA

Roth IRAs allow for tax-free distributions, including interest earnings after one of several life events occurs. It’s this flexibility that makes the Roth IRA an attractive investment for retirement. Typically, customers enjoy greater tax savings with a Roth IRA than with a Traditional IRA. If you are looking for a safe retirement savings option, this is a perfect place to start.

May be good for…

  • Retirement savings with tax-free growth
  • Greater withdrawal flexibility
  • FDIC-insured, secure investment
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IRA Rollovers

Retirement is coming, and as a smart saver, you have been preparing for it. After all your years of planning, be sure to continue making the correct decisions now to assure a secure retirement later. As the time draws near, it is important to understand the rules regarding rollovers, transfers and aggregations of required minimum distributions (RMDs). Review this information to help clarify any questions you may have, then before completing any rollover transaction, you may wish to speak with a competent tax advisor.

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