One Rate For All Terms 

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Interest Rates and Annual Percentage Yields (APY) 

Rates Effective as of: August 22, 2019

Term of Deposit Minimum Balance to earn APY Interest Rate Annual Percentage Yield
91 Days $1,000 2.32% 2.35%
182 Days $1,000 2.32% 2.35%
8 Months $1,000 2.32% 2.35%
10 Months $1,000 2.32% 2.35%
1 Year $1,000 2.32% 2.35%
14 Months $1,000 2.32% 2.35%
19 Months $1,000 2.32% 2.35%
2 Years $1,000 2.32% 2.35%
27 Months $1,000 2.32% 2.35%
30 Months $1,000 2.32% 2.35%
3 Years $1,000 2.32% 2.35%
42 Months $1,000 2.32% 2.35%
4 Years $1,000 2.32% 2.35%
5 Years $1,000 2.32% 2.35%
8 Years $1,000 2.32% 2.35%
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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. *Annual Percentage Yield (APY) effective as of August 20, 2019 for any CD term currently offered by Capitol Federal on  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.  Requests by fax, email, phone or other transmission will not be accepted. Rates subject to change at any time.

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.

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