Certificate of Deposit


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 capfed.com 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 capfed.com/PresCD 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.

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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.

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.

Featured CD Image


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
182 Days $1,000 0.45% 0.45%
8 Months $1,000 0.80% 0.80%
10 Months $1,000 0.85% 0.85%
1 Year $1,000 1.98% 2.00%
19 Months $1,000 1.98% 2.00%
2 Years $1,000 1.79% 1.80%
27 Months $1,000 1.98% 2.00%
30 Months $1,000 2.37% 2.40%
3 Years $1,000 2.52% 2.55%
42 Months $1,000 2.57% 2.60%
4 Years $1,000 2.47% 2.50%
5 Years $1,000 2.76% 2.80%
8 Years $1,000 2.13% 2.15%

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
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