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
Daisy field.

Fraud Is More Common Than You Think - Here’s What That Means for You

As fraud becomes more common, managing your finances isn’t just about saving and investing, it’s also about protecting what you’ve built. Having the right tools, guidance, and support in place can help you feel more confident and in control, no matter what comes your way.
Read more
CapFed® news on tablet.
May 07, 2026

Capitol Federal® Celebrates Title Sponsorship of Spirit of Kansas

The Shawnee County Board of Commissioners recognized Capitol Federal® as the “Title Sponsor” of the 2026 Spirit of Kansas fireworks display during a check presentation ceremony at the May 7, 2026 Board of County Commission meeting.
Read more
CapFed® news on tablet.
May 05, 2026

Henry A. Bubb Distinguished Service Award

Capitol Federal® Chief Executive Officer John B. Dicus announced that Software Developer III Michael Peoples is the 2025 recipient of the Henry A. Bubb Distinguished Service Award, the Bank’s highest employee recognition.
Read more