Interest Rates on CDs, Savings, Checking and Money Market Select

Earn interest and grow your savings with Savings Accounts, Certificates of Deposit (CDs) & Checking Accounts at Capitol Federal®. Find the best options to grow your money and achieve financial success.

    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 September 11, 2026
    Term of Deposit Minimum Balance to earn APY Interest Rate Annual Percentage Yield

    Term of Deposit

    91 Days

    Minimum Balance to earn APY

    $1,000.00

    Interest Rate

    0.05%

    Annual Percentage Yield

    0.05%

    Term of Deposit

    182 Days

    Minimum Balance to earn APY

    $1,000.00

    Interest Rate

    4.02%

    Annual Percentage Yield

    4.10%

    Term of Deposit

    8 Months

    Minimum Balance to earn APY

    $1,000.00

    Interest Rate

    2.23%

    Annual Percentage Yield

    2.25%

    Term of Deposit

    10 Months

    Minimum Balance to earn APY

    $1,000.00

    Interest Rate

    2.23%

    Annual Percentage Yield

    2.25%

    Term of Deposit

    12 Months

    Minimum Balance to earn APY

    $1,000.00

    Interest Rate

    2.23%

    Annual Percentage Yield

    2.25%

    Term of Deposit

    14 Months

    Minimum Balance to earn APY

    $1,000.00

    Interest Rate

    2.23%

    Annual Percentage Yield

    2.25%

    Term of Deposit

    19 Months

    Minimum Balance to earn APY

    $1,000.00

    Interest Rate

    2.23%

    Annual Percentage Yield

    2.25%

    Term of Deposit

    24 Months

    Minimum Balance to earn APY

    $1,000.00

    Interest Rate

    3.83%

    Annual Percentage Yield

    3.90%

    Term of Deposit

    30 Months

    Minimum Balance to earn APY

    $1,000.00

    Interest Rate

    3.92%

    Annual Percentage Yield

    4.00%

    Term of Deposit

    36 Months

    Minimum Balance to earn APY

    $1,000.00

    Interest Rate

    1.98%

    Annual Percentage Yield

    2.00%

    Term of Deposit

    42 Months

    Minimum Balance to earn APY

    $1,000.00

    Interest Rate

    1.98%

    Annual Percentage Yield

    2.00%

    Term of Deposit

    48 Months

    Minimum Balance to earn APY

    $1,000.00

    Interest Rate

    4.11%

    Annual Percentage Yield

    4.20%

    Term of Deposit

    60 Months

    Minimum Balance to earn APY

    $1,000.00

    Interest Rate

    1.98%

    Annual Percentage Yield

    2.00%

    Blue Bucks® Kids' Certificate of Deposit

    A 12-month, fixed-rate CD, just for kids!
    2.25 % APY

    Teach your child the benefits of long-term savings. With a low minimum deposit of $100 and the flexibility to add a minimum of $25 per deposit anytime, this account is perfect for setting up your young saver for future success.

    Open in Any CapFed® Branch

    3. APY = Annual Percentage Yield. May be subject to early withdrawal penalty. New customers will need to provide copies of the Birth Certificate and Social Security card for the minor on the account, as well as proof of address (utility bill, the guardian's valid DL or KS/MO state ID, etc.) when opening a Blue Bucks Savings Account. Not available to open online. A penalty may be imposed for early withdrawal. $100 minimum balance to open and earn APY. Certain restrictions apply. Rates subject to change.

    Sign Up for CD Rate Updates

    Thank you for your interest in our CD rates and special promotions. Please sign up below and we will periodically send you emails about our current deposit rates and account promotions.

    Money Market Select Account Rates

    Tiered-rates let you earn more interest in our Money Market Select Account as you grow your savings with the added features of a checking account.

    Interest Rates and Annual Percentage Yields (APY)

    Rates Effective as of September 11, 2026
    Minimum Balance to Earn APY Interest Rate Annual Percentage Yield

    Minimum Balance to Earn APY

    Below $999.99

    Interest Rate

    0.00%

    Annual Percentage Yield

    0.00%

    Minimum Balance to Earn APY

    $1,000 to $9,999.99

    Interest Rate

    0.25%

    Annual Percentage Yield

    0.25%

    Minimum Balance to Earn APY

    $10,000 to $24,999.99

    Interest Rate

    0.25%

    Annual Percentage Yield

    0.25%

    Minimum Balance to Earn APY

    $25,000 to $49,999.99

    Interest Rate

    0.40%

    Annual Percentage Yield

    0.40%

    Minimum Balance to Earn APY

    $50,000 to $99,999.99

    Interest Rate

    0.40%

    Annual Percentage Yield

    0.40%

    Minimum Balance to Earn APY

    $100,000 to $199,999.99

    Interest Rate

    0.65%

    Annual Percentage Yield

    0.65%

    Minimum Balance to Earn APY

    $200,000 and above

    Interest Rate

    1.65%

    Annual Percentage Yield

    1.65%

    eSavings Account Rates

    Grow your money faster with higher rates than a traditional Passcard Savings account, and without locking those funds long term. This is an online only account. eSavings account holders must be enrolled in eStatements to earn the maximum APY.

    Interest Rates and Annual Percentage Yields (APY)

    Rates Effective as of September 11, 2026
    Minimum Balance to Earn APY Interest Rate Annual Percentage Yield

    Minimum Balance to Earn APY

    Below $9,999.99

    Interest Rate

    0.05%

    Annual Percentage Yield

    0.05%

    Minimum Balance to Earn APY

    $10,000 and above

    Interest Rate

    3.63%

    Annual Percentage Yield

    3.70%

    Passcard Savings Account Rates

    Simple savings account for unexpected expenses or special purposes.  

    Interest Rates and Annual Percentage Yields (APY)

    Rates Effective as of September 11, 2026
    Minimum Balance to Earn APY Interest Rate Annual Percentage Yield

    Minimum Balance to Earn APY

    Below $99.99

    Interest Rate

    0.00%

    Annual Percentage Yield

    0.00%

    Minimum Balance to Earn APY

    $100 and above

    Interest Rate

    0.05%

    Annual Percentage Yield

    0.05%

    Genuine Blue Checking Account Rates

    To make the most of your checking dollars, open a Genuine Blue checking account. The Genuine Blue account is perfect for those who maintain higher balances in their checking account, since there is no monthly service charge with an average daily balance of $1,000 or more.

    Interest Rates and Annual Percentage Yields (APY)

    Rates Effective as of September 11, 2026
    Minimum Balance to Earn APY Interest Rate Annual Percentage Yield

    Minimum Balance to Earn APY

    Below $99.99

    Interest Rate

    0.00%

    Annual Percentage Yield

    0.00%

    Minimum Balance to Earn APY

    $100 and above

    Interest Rate

    0.05%

    Annual Percentage Yield

    0.05%