Personal Deposit Rates

Personal Deposit Rates

Featured CD Panel Image

featured cd rate

Interest Rates and Annual Percentage Yields (APY) 
Rates Effective as of June 19, 2024

Term of Deposit Minimum Balance to earn APY Interest Rate Annual Percentage Yield
11 Months $1,000 4.97% 5.10%
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.

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. 

If you're new to using Certificates of Deposit in your savings strategy and are looking for both short- and long-term benefits, learn more about CD Laddering here.


Interest Rates and Annual Percentage Yields (APY) 

Rates Effective as of June 19, 2024

Term of Deposit Minimum Balance to earn APY Interest Rate Annual Percentage Yield
91 Days $1,000 2.47% 2.50%
182 Days $1,000 4.40% 4.50%
8 Months $1,000 4.88% 5.00%
10 Months $1,000 3.92% 4.00%
11 Months $1,000 4.97% 5.10%
1 Year $1,000 3.92% 4.00%
14 Months $1,000 4.11% 4.20%
19 Months $1,000 3.68% 3.75%
2 Years $1,000 4.40% 4.50%
30 Months $1,000 4.16% 4.25%
3 Years $1,000 3.44% 3.50%
42 Months $1,000 3.44% 3.50%
4 Years $1,000 3.44% 3.50%
5 Years $1,000 2.47% 2.50%
Open a CD Now

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.

A penalty may be imposed for early withdrawal. $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.

money market select account rates

Tiered-rates let you earn more interest in our Money Market Select Account as you grow your savings with the added features of a checking account.

Interest Rates and Annual Percentage Yields (APY) 
Rates Effective as of June 19, 2024

Minimum Balance to Earn APY RATE APY
Below $999.99 0.00% 0.00%
$1,000 to $9,999.99
0.75% 0.75%
$10,000 to $24,999.99 0.75% 0.75%
$25,000 to $49,999.99 1.00% 1.00%
$50,000 to $99,999.99 1.00% 1.00%
$100,000 to $199,999.99 1.49% 1.50%
$200,000 and above
2.46% 2.49%
Open A Money Market Now


Transaction limits apply. Interest rates, annual percentage yields (APY) and fees are subject to change without notice. All funds placed into a Money Market Select account are FDIC insured to the maximum allowed by law. See Disclosure Information Booklet for more information.

eSavings Account Rates

Interest Rates and Annual Percentage Yields (APY)
Rates Effective as of June 19, 2024

Minimum Balance to Earn APY RATE APY
Below $9,999.99 0.05% 0.05%
$10,000.00 4.21% 4.30%

Open eSavings Now

Transaction limits apply. Interest rates, annual percentage yields (APY) and fees are subject to change without notice. All funds placed into a Capitol Federal® eSavings account are FDIC insured to the maximum allowed by law. Service charges may reduce the earnings on the account. See Account Disclosures for more information.


PassCard Savings Account Rates

Interest Rates and Annual Percentage Yields (APY)
Rates Effective as of June 19, 2024

Minimum Balance to Earn APY RATE APY
Below $99.99 0.00% 0.00%
$100.00 0.05% 0.05%
Open Passcard Savings Now

Transaction limits apply. Interest rates, annual percentage yields (APY) and fees are subject to change without notice. All funds placed into a Passcard Savings account are FDIC insured to the maximum allowed by law. See Disclosure Information Booklet for more information.

Simple Blue Checking Image

Simple Blue Checking

No monthly service charge and no minimum balance fee make the Simple Blue account our most popular checking account. Bank online and by mobile device. Open with as little as $100.

More on Simple Blue
CD Ladder Image

Set Your Savings on Autopilot

A CD ladder savings strategy can provide both short- and long-term benefits.  It’s simple and can be maintained with little effort.

Start Saving
CD Rate Image

Stay Informed on CD Rates

Sign up for CD Rate updates and receive periodic notifications on special rate offers. 

Sign Up for CD Rates