1980 - 1989
- The 1980s brought tremendous change for the savings and loan business and for Capitol Federal. The Association introduced Automated Teller Machines, Checking With Interest, and Consumer Loans as "deregulation" began to impact the business. The greatest impact of deregulation came with the Money Market Deposit Account, allowing all financial institutions to compete unregulated for consumer deposits. Home owners became familiar with such terms as RRMs (Renegotiable Rate Mortgage) and ARMs (Adjustable Rate Mortgage).
- 1980 - First Wichita office opened. In 1983, expanded its position in Wichita with the merger of Southwest Federal Savings and its three Wichita office locations into Capitol Federal.
- 1984 - Association assets passed TWO-BILLION-DOLLAR milestone.
- During 1980s, Capitol Federal "weathered" one of the most difficult periods in the history of financial institutions. Choosing a conservative business plan, Capitol Federal continued to build on strong earnings and capital, remaining "family-oriented" with "more than 90% of loans to single-family home buyers, the savings and loan industry's traditional niche of borrowers." Association continued to produce excellent earnings, with capital reaching $250 million in 1988. Offices opened in East Olathe and West Wichita, and Capitol Federal joined a regional ATM network system.
- The year of 1989 will be remembered for the death of Chairman Henry A. Bubb. Recognized for his outstanding leadership nationwide in the savings and loan business, it was Mr. Bubb's commitment to strength, safety and basic values which guided Capitol Federal through the savings and loan industry crisis of the 1980s.
- FIRREA (Financial Institutions Reform, Recovery and Enforcement Act) passed to resolve the FSLIC problems, reassure the public that a strong insurance fund guarantees depositor safety and establish tougher capital standards for the business. The new law dissolved FSLIC, and the Federal Deposit Insurance Corporation (FDIC) began insuring the deposits of institutions formerly insured by FSLIC, including Capitol Federal, through the new, separate fund in the FDIC, the Savings Association Insurance Fund (SAIF).
- 1989 - John C. Dicus named Chairman.
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