High Yield eSavings

Maximize your savings with higher interest rates than traditional savings accounts.
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Capitol Federal’s high yield eSavings account offers higher interest rates than traditional savings accounts, with the convenience of managing your money online.

Why a High Yield eSavings Account?

  • Higher Yields: Earn more with competitive rates. Minimum balance to earn APY is $10,000, and account must be enrolled in eStatements.
  • Easy Access: Manage your account online, anytime.
  • No Monthly Service Charge: To avoid monthly service charges you must maintain a $10,000 average daily balance.

If you are ready to grow your savings, open an eSavings account online today.

There is no monthly service charge with an average daily balance of $10,000 or more. Interest is compounded daily and is credited to the account on the last day of each calendar quarter. All funds placed into an eSavings account are FDIC insured to the maximum allowed by law. Transaction limits apply. See Account Disclosure for more information.

eSavings
4.00 % APY

Minimum balance to earn APY is $10,000, and account must be enrolled in eStatements.

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    True Blue Online® - Direct and Secure Access

    It’s easier than ever to check your finances wherever you are. True Blue Online® allows you to bank anywhere, anytime. Fast, easy and secure banking:

    • Pay bills
    • Check balances and account transactions
    • Transfer funds
    • See eStatements and other documents
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    Capitol Federal Financial, Inc.® (the "Company," "we" or "our"), the parent company of Capitol Federal Savings Bank (the "Bank"), today announced the election of William “Billy” Skrobacz Jr. as President of the Company and the Bank, effective October 1, 2026.
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    High Yield eSavings Account FAQs

    • A High Yield eSavings account is a secure, online savings solution that offers a competitive interest rate, helping your money grow faster than with a traditional savings account.

    • The key difference is the higher interest rate and the convenience of managing your account entirely online.

    • Opening an account is simple. Complete the online application, verify your identity, and fund your account with the required minimum deposit. 

    • Interest is calculated daily and credited quarterly, allowing your savings to compound over time.

    • Yes. A minimum balance is required to earn interest. Please review the account details for the exact amount. 

    • Visit the Online Account Opening Help page and follow the tutorial video for steps on how to open your account online.

    • Absolutely. Enjoy full digital access through online banking and our mobile app for convenient account management.

    • You can easily transfer funds electronically from linked accounts, set up direct deposits, or use ACH transfers.

    • Federal limits on certain withdrawals/transfers may apply; check the account disclosure for details.

    • No monthly maintenance fee when you maintain an average daily balance of $10,000; otherwise a fee may apply.

    • Yes. Your deposits are insured up to the standard FDIC limits, providing peace of mind.