Business Deposit Rates

Business Deposit Rates

commercial money market

Competitive Rates
Interest is compounded daily and is credited to the account on the last day of each calendar month.
Rates effective as of May 19, 2024

Minimum Balance to Earn APY RATE APY
$0.00 - $49,999.99
0.99% 0.99%
$50,000 - $199,999.99
1.49% 1.50%
$200,000 - $749,999.99
1.98% 2.00%
$750,000 - $999,999.99
1.98% 2.00%
$1,000,000 - $1,999,999.99
1.98% 2.00%
$2,000,000 and above
1.98% 2.00%
 
Transaction limits apply. Interest rates, annual percentage yields (APY) and fees are subject to change without notice. All funds placed into a Commercial Money Market account are FDIC insured to the maximum allowed by law. See Disclosure Information Booklet for more information.

Open an Account

Ask about opening a business account at any of our branch locations. Enter your zip code to find a CapFed® branch nearest you. 


Have questions about Business Banking? Call 1-888-510-7333 or
email businessbanking@capfed.com 

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featured cd rate

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

Term of Deposit Minimum Balance to earn APY Interest Rate Annual Percentage Yield
11 Months $1,000 5.02% 5.15%
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 May 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 5.02% 5.15%
1 Year $1,000 4.88% 5.00%
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.

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Commercial Savings Account

A great choice for businesses and organizations needing a basic savings account with a low minimum balance requirement.

More on Commercial Savings
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Commercial Checking Account

The Commercial Checking account is a traditional non-interest bearing account giving corporations and businesses unlimited transactions, and the ability to offset service charges with an earnings credit.

More on Commercial Checking
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Bank On Mobile

Take your account with you, wherever you go.  View balances, make payments and deposit checks from your mobile phone.

Start Mobile Banking