Today's Featured CD Rates

Today's Featured CD Rates


Earn interest and grow your savings with Capitol Federal's Certificate of Deposit products. CDs provide a predictable return over time and are FDIC insured to the maximum allowed by law. 

If you're new to using Certificates of Deposit in your savings strategy and are looking for both short- and long-term benefits, learn more about CD Laddering here.


Interest Rates and Annual Percentage Yields (APY) 

Rates Effective as of October 15, 2021

Term of Deposit Minimum Balance to earn APY Interest Rate Annual Percentage Yield
91 Days $1,000 0.05% 0.05%
182 Days $1,000 0.25% 0.25%
1 Year $1,000 0.30% 0.30%
19 Months $1,000 0.35% 0.35%
2 Years $1,000 0.40% 0.40%
30 Months $1,000 0.40% 0.40%
3 Years $1,000 0.45% 0.45%
42 Months $1,000 0.45% 0.45%
4 Years $1,000 0.50% 0.50%
5 Years $1,000 0.55% 0.55%
Open a CD Now

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.

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 Rate Image

Stay Informed on CD Rates

Sign up for CD Rate updates and receive notifications on special rate offers. 

Sign Up for CD Rates
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.

Calculate