Certificate of Deposit

Certificate of Deposit

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Capitol Federal’s Certificate of Deposit (CD) interest rates are consistently among the most competitive in the area. With our CDs, you can earn a higher interest rate than a traditional savings account and feel secure knowing your money is growing in a safe investment. 
Choose from a range of short-and long-term products to save for whatever you have in mind. 

Certificates of Deposit are perfect for…

  • Long-term savings goals
  • Retirement savings
  • Adding secure investments to an overall savings strategy

There’s never a better time to start saving – than today! See Capitol Federal's current CD interest rates below.

Interest Rates and Annual Percentage Yields (APY) 

Rates Effective as of June 24, 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 4.69% 4.80%
1 Year $1,000 3.92% 4.00%
14 Months $1,000 4.97% 5.10%
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%

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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Individual retirement accounts (IRAs)

Retirement near or far?  Either way, achieve greater growth and tax advantages from an IRA.  Roth IRAs allow for potential tax-free withdrawals during your retirement, while Traditional IRAs may reduce your taxes now and earnings are not taxed until you take the money out.  Regardless of which you choose, IRAs offer an opportunity to save for a comfortable retirement with long-term tax benefits.

Perfect for…

  • Retirement savings
  • Old 401k rollovers
  • Tax advantages
Roth IRA Traditional IRA
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