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presidents' Day Cd Rate Offer - One Day Only - February 18, 2019

14 months - 2.50% APY*
34 months - 2.80% APY*
54 months - 3.00% APY*

Available for personal accounts opened in person at any Capitol Federal® office during normal business hours on Monday, February 18, 2019. Also available for accounts opened online at beginning Monday, February 18, 2019 at 8:00 a.m. CST through Monday, February 18, 2019 at 9:00 p.m. CST. Personal, retirement or personal trust account deposits only. Retirement accounts limited to 2018 and/or 2019 annual IRA contributions only. IRA rollovers, renewals, transfers and endorsements NOT eligible. Visit for more information.

*Annual Percentage Yield (APY) effective as of 02-18-19. Offer available 02-18-19 only. May be subject to early withdrawal penalty. $1,000 minimum balance to open and earn APY. Account requests accepted in person, online or by mail only. Mail requests must be received on or before February 18, 2019 and will be opened only on that date. Requests by fax, email, phone or other transmission will not be accepted. Certain restrictions apply when opening an account online. IRAs and personal trust accounts cannot be opened online.

featured cd rate

Interest Rates and Annual Percentage Yields (APY) 

Rates Effective as of: February 14, 2019

Term of Deposit Minimum Balance to earn APY Interest Rate Annual Percentage Yield
1 Year $1,000 1.98% 2.00%
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.

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Certificate of deposit (Cd)

CDs are the easiest way to save if you do not need immediate access to your money. Earn interest and feel secure in the certainty of any Certificate of Deposit product. Choose from short- to long-term CD rate options, and lock in a guaranteed rate for whatever length of time you want. Typically, the longer the term you select, the higher the interest rate.

Perfect for…

  • Long-term savings goals
  • Retirement savings
  • Adding secure investments to an overall savings strategy
More on CDs CD Rates

Passcard savings

If you are opening your first savings account or want to save for unplanned expenses or special purchases, this is the account for you. With as little as $100, you can begin to save and earn interest. 

Perfect for…

  • Everyone
  • An unplanned expense account (emergency savings)
  • Specific goals or special purchases
More on Passcard Savings
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Money market select

Earning a higher interest rate and having cash easily available for alternative investments are both convenient and smart.  The Money Market Select account is like a savings account, but with the added features of a checking account. The more you save in the account, the more you’ll earn with this tiered-rate account.

Perfect for…

  • Maintaining higher balances
  • Flexible access to your money
  • Unplanned expense account
More on Money Market Select Money Market Select Rates

individual retirement accounts (ira)

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 your money.  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
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coverdell education savings account

The Coverdell Education Savings Account helps parents save and pay for their children’s education at any level – from kindergarten through college. Coverdell contributions aren't tax deductible, but withdrawals aren't subject to federal income taxes as long as they are used for "qualified education expenses" like tuition and fees.  Start saving for your child’s future today.

Perfect for…

  • Parents and Grandparents
  • Saving for college
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Blue Bucks kids' savings

Teaching our youngest members to be great savers! The Blue Bucks Kids' Savings Club is a kid’s savings account, plus so much more. The perfect first account for kids ages 0 – 13 that offers extra benefits like a new member kit with gifts, quarterly rewards, activity newsletters and an annual birthday surprise.  Join today.

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simple savings strategies for greater return

Saving for retirement or college or even a “rainy day” fund can seem overwhelming because of the endless information available to you.  At Capitol Federal®, we understand how difficult it can be to decide what is best for you and your family.  That’s why we’ve outlined a few simple strategies you can start using today to see a greater return on your savings tomorrow.  

View Savings Strategies