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 May 08, 2025
| Term of Deposit | Minimum Balance to earn APY | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
Term of Deposit91 Days |
Minimum Balance to earn APY$1,000.00 |
Interest Rate2.47% |
Annual Percentage Yield2.50% |
Term of Deposit182 Days |
Minimum Balance to earn APY$1,000.00 |
Interest Rate3.44% |
Annual Percentage Yield3.50% |
Term of Deposit8 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate3.44% |
Annual Percentage Yield3.50% |
Term of Deposit10 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate3.20% |
Annual Percentage Yield3.25% |
Term of Deposit12 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate3.44% |
Annual Percentage Yield3.50% |
Term of Deposit14 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate3.44% |
Annual Percentage Yield3.50% |
Term of Deposit19 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate2.96% |
Annual Percentage Yield3.00% |
Term of Deposit24 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate2.96% |
Annual Percentage Yield3.00% |
Term of Deposit30 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate2.96% |
Annual Percentage Yield3.00% |
Term of Deposit36 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate3.20% |
Annual Percentage Yield3.25% |
Term of Deposit42 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate3.20% |
Annual Percentage Yield3.25% |
Term of Deposit48 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate3.20% |
Annual Percentage Yield3.25% |
Term of Deposit60 Months |
Minimum Balance to earn APY$1,000.00 |
Interest Rate2.47% |
Annual Percentage Yield2.50% |
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 May 08, 2025
| Minimum Balance to Earn APY | Rate | Annual Percentage Yield (APY) |
|---|---|---|
Minimum Balance to Earn APY$0.00 - $49.999.99 |
Rate0.50% |
Annual Percentage Yield (APY)0.50% |
Minimum Balance to Earn APY$50,000 - $199,999.99 |
Rate1.00% |
Annual Percentage Yield (APY)1.00% |
Minimum Balance to Earn APY$200,000 - $749,999.99 |
Rate1.49% |
Annual Percentage Yield (APY)1.50% |
Minimum Balance to Earn APY$750,000 - $999,999.99 |
Rate1.49% |
Annual Percentage Yield (APY)1.50% |
Minimum Balance to Earn APY$1,000,000 - $1,999,999.99 |
Rate1.49% |
Annual Percentage Yield (APY)1.50% |
Minimum Balance to Earn APY$2,000,000 and above |
Rate1.49% |
Annual Percentage Yield (APY)1.50% |
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