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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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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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.

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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