Capitol Federal’s Certificate of Deposit (CD) interest rates are consistently among the most competitive in the area.

With 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: August 18, 2016

Term of Deposit Minimum Balance to earn APY Interest Rate Annual Percentage Yield

91 Days $1,000 0.15% 0.15%
182 Days $1,000 0.25% 0.25%
8 Months $1,000 0.25% 0.25%
10 Months $1,000 0.45% 0.45%
1 Year $1,000 0.50% 0.50%
14 Months $1,000 0.70% 0.70%
19 Months $1,000 0.80% 0.80%
2 Years $1,000 0.90% 0.90%
27 Months $1,000 0.99% 1.00%
30 Months $1,000 1.14% 1.15%
3 Years $1,000 1.49% 1.50%
42 Months $1,000 1.49% 1.50%
4 Years $1,000 1.74% 1.75%
5 Years $1,000 1.98% 2.00%
8 Years $1,000 1.98% 2.00%

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.