Savings Deposit Loan

Borrow against your Capitol Federal® CD or Savings account for any purchase you’d like to make.

Tap into the value of your Capitol Federal® CD or Savings account with a low-interest loan. Whether you need funds for a purchase or an unexpected expense, our Savings Deposit Loan offers competitive rates and flexible payment options.

Features:

  • Competitive Rates. Interest rates are 2.00% above the rate of your deposit account used as collateral. (Annual percentage rate is subject to change after consummation.)
  • Flexible Payments. Choose between monthly amortizing or monthly interest-only payments.
  • 100% Financing. Borrow up to 100% of your deposit balance.
  • Automatic Payments. Savings of an additional .25% on amortizing payment loans with automatic payment from a Capitol Federal checking or savings account.

Certain restrictions apply. Not available for IRA, Money Market, or Checking accounts. Loan information is subject to change.

We Have a Loan for That

We have a loan for you! Explore a wide range of borrowing options from Capitol Federal®. Our experienced Loan Professionals and branch staff are ready to help you find a loan tailored to your specific needs.

  • Mortgage Loans
  • Home Equity Loans
  • Student Loans
  • Personal Loans
Press release on tablet.
April 21, 2025

Capitol Federal® Presents 2024 Henry A. Bubb Distinguished Service Award

TOPEKA, KS – Capitol Federal® Chief Executive Officer John B. Dicus announced that Director of Loan Service Jenny Morgison is the 2024 recipient of the Henry A. Bubb Distinguished Service Award, the Bank’s highest employee recognition. This award, named in honor of Capitol Federal’s longtime Chairman, is presented annually to an employee or officer who demonstrates the leadership qualities of the late Mr. Bubb.
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