1990 - 1994
- December, 1991 - Federal Reserve Board dramatically dropped interest rates hoping to bring the nation out of the recession begun in July, 1990. Chairman Dicus stated, "not since the 1970s have we seen interest rates at the current low levels. For our mortgage customers, the news has been good, as evidenced by a 300% increase in mortgage applications at Capitol Federal over the same period last year."
- 1993 - Capitol Federal reaches its 100th anniversary, with assets of more than $3.9 billion. Core tangible capital stood at $445 million, 11.31% of assets and ranking the Association among the strongest in the nation. The Association was recognized nationally with its history being listed in the Congressional Record and read on the floors of the United States Senate by Senator Bob Dole and the United States House of Representatives by Congressman Jim Slattery. Kansas Governor Joan Finney declared December 16, 1993, as "Capitol Federal Day" in recognition of its 100th anniversary.
- 1994 - Assets surpassed the $4 billion mark, with equity capital at $485.5 million, over 12% of assets. Return on average assets (ROA) of 1.00% added more than $39.8 million of retained earnings to capital.
- 1994 - Introduced Home-at-Last mortgage loan program, providing qualified low-to-moderate income home buyers the opportunity to purchase or refinance a home with a lower cash down payment, easier qualifying ratios, and in some cases, reduced closing costs. Capitol Federal's 24th office, its ninth in the Greater Kansas City area, opened on 87th Street Parkway in Lenexa. INVEST Financial Corporation, member NASD, SIPC, opened Centers at six Capitol Federal offices in Topeka and Greater Kansas City.
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