Interest Rates on Commercial Money Market and CDs

Earn interest and grow your business savings with a Commercial Money Market or Certificate of Deposit account at Capitol Federal®. Find the best rates for your business and its success.

Certificate of Deposit Rates

Earn interest and grow your savings with Capitol Federal's Certificate of Deposit products. CDs provide a predictable return over time and are FDIC insured to the maximum allowed by law. 

Interest Rates and Annual Percentage Yields (APY)

Rates Effective as of October 31, 2024
Term of Deposit Minimum Balance to earn APY Interest Rate Annual Percentage Yield

Term of Deposit

91 Days

Minimum Balance to earn APY

$1,000.00

Interest Rate

2.47%

Annual Percentage Yield

2.50%

Term of Deposit

182 Days

Minimum Balance to earn APY

$1,000.00

Interest Rate

4.69%

Annual Percentage Yield

4.80%

Term of Deposit

8 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

4.21%

Annual Percentage Yield

4.30%

Term of Deposit

10 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

4.16%

Annual Percentage Yield

4.25%

Term of Deposit

12 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

3.92%

Annual Percentage Yield

4.00%

Term of Deposit

14 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

3.83%

Annual Percentage Yield

3.90%

Term of Deposit

19 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

3.44%

Annual Percentage Yield

3.50%

Term of Deposit

24 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

3.44%

Annual Percentage Yield

3.50%

Term of Deposit

30 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

3.44%

Annual Percentage Yield

3.50%

Term of Deposit

36 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

3.20%

Annual Percentage Yield

3.25%

Term of Deposit

42 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

2.96%

Annual Percentage Yield

3.00%

Term of Deposit

48 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

2.71%

Annual Percentage Yield

2.75%

Term of Deposit

60 Months

Minimum Balance to earn APY

$1,000.00

Interest Rate

2.47%

Annual Percentage Yield

2.50%

Commercial Money Market

Interest is compounded daily and is credited to the account on the last day of each calendar month.

Rates effective as of October 31, 2024
Minimum Balance to Earn APY Rate Annual Percentage Yield (APY)

Minimum Balance to Earn APY

$0.00 - $49.999.99

Rate

0.99%

Annual Percentage Yield (APY)

0.99%

Minimum Balance to Earn APY

$50,000 - $199,999.99

Rate

1.49%

Annual Percentage Yield (APY)

1.50%

Minimum Balance to Earn APY

$200,000 - $749,999.99

Rate

1.98%

Annual Percentage Yield (APY)

2.00%

Minimum Balance to Earn APY

$750,000 - $999,999.99

Rate

1.98%

Annual Percentage Yield (APY)

2.00%

Minimum Balance to Earn APY

$1,000,000 - $1,999,999.99

Rate

1.98%

Annual Percentage Yield (APY)

2.00%

Minimum Balance to Earn APY

$2,000,000 and above

Rate

1.98%

Annual Percentage Yield (APY)

2.00%

We are dedicated to knowing your business.

We are ready to assist you with your loan and Treasury Management needs. Contact one of our commercial banking professionals today.