Bank · FDIC insured
Capitol Federal CD Rates
Top CarrotCapitol Federal’s best CD rate is 4.20% APY on a 4-year CD. Terms run from 8 months to 5 years. Rates checked October 17, 2026.
How Capitol Federal’s CD rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Capitol Federal has the most branches. $10,000, best rate first.
This bank’s best
Capitol Federal
4.20%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,789
Certificate of Deposit
Top rate
Community National Bank
5.09%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,818
2nd-highest rate
North American Savings Bank
5.00%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $289
Capitol Federal CD score
86
CD score
Higher than 72% of U.S. banks and credit unions
- 3–8 months3–8 mo2.25%
- 9–15 months9–15 mo2.25%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.20%
- QualifiedQualified4.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Capitol Federal ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.20%APY · 12 terms
FDIC insured time-deposit accounts. Minimum opening deposit of $1,000 required. Accounts opened online reside in Kansas for legal purposes; IRAs and trust accounts cannot be opened online. CDs generally renew automatically at maturity with a 10-calendar-day grace period. Early withdrawal penalties apply to principal withdrawals. No monthly maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm: 182 Days. Interest is compounded daily and paid at maturity. Early withdrawal penalty is 90 days of interest | 4.10% | $0 |
| UnknownTerm: 91 Days. Interest is compounded daily and paid at maturity. Early withdrawal penalty is 90 days of interest | 0.05% | $0 |
| 8 monthsTerm: 8 Months. Interest compounded daily and paid quarterly. Early withdrawal penalty is 90 days of interest | 2.25% | $149 |
| 10 monthsTerm: 10 Months. Interest compounded daily and paid quarterly (or at maturity). Early withdrawal penalty is 90 days of interest | 2.25% | $187 |
| 12 monthsTerm: 12 Months. Interest compounded daily and paid quarterly. Early withdrawal penalty is 90 days of interest | 2.25% | $225 |
| 14 monthsTerm: 14 Months. Interest compounded daily and paid quarterly. Early withdrawal penalty is 90 days of interest | 2.25% | $263 |
| 19 monthsTerm: 19 Months. Interest compounded daily and paid quarterly. Early withdrawal penalty is 180 days of interest | 2.25% | $359 |
| 24 monthsTerm: 24 Months. Interest compounded daily and paid quarterly. Early withdrawal penalty is 180 days of interest | 3.90% | $795 |
| 30 monthsTerm: 30 Months. Interest compounded daily and paid quarterly. Early withdrawal penalty is 180 days of interest | 4.00% | $1,030 |
| 36 monthsTerm: 36 Months. Interest compounded daily and paid quarterly. Early withdrawal penalty is 180 days of interest | 2.00% | $612 |
| 42 monthsTerm: 42 Months. Interest compounded daily and paid quarterly. Early withdrawal penalty is 180 days of interest | 2.00% | $718 |
| 48 monthsTerm: 48 Months. Interest compounded daily and paid quarterly. Early withdrawal penalty is 180 days of interest | 4.20% | $1,789 |
| 60 monthsTerm: 60 Months. Interest compounded daily and paid quarterly. Early withdrawal penalty is 180 days of interest | 2.00% | $1,041 |
Sources (15)
- capfed.com/personal/personal-a…s/certificate-of-deposit
- capfed.com/personal/personal-a…s/personal-deposit-rates
- capfed.com/resources/disclosur…osure-of-terms-91-day-cd
- capfed.com/resources/disclosur…sure-of-terms-182-day-cd
- capfed.com/resources/disclosur…sure-of-terms-8-month-cd
- capfed.com/resources/disclosur…ure-of-terms-10-month-cd
- capfed.com/resources/disclosur…ure-of-terms-12-month-cd
- capfed.com/resources/disclosur…ure-of-terms-14-month-cd
- capfed.com/personal/personal-a…-about-interest-earnings
- capfed.com/resources/disclosur…ure-of-terms-24-month-cd
- capfed.com/resources/disclosur…ure-of-terms-30-month-cd
- capfed.com/resources/disclosur…ure-of-terms-36-month-cd
- capfed.com/resources/disclosur…ure-of-terms-42-month-cd
- capfed.com/resources/disclosur…ure-of-terms-48-month-cd
- capfed.com/resources/disclosur…ure-of-terms-60-month-cd
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.30%APY · 13 terms
Available under Traditional IRA (terms up to 48 months) or Roth & Education IRAs (terms up to 60 months). Cannot be opened online. $1,000 minimum deposit required to open and earn APY. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm: 182 Days. Available for Traditional, Roth, and Education IRAs. Interest compounded daily and paid at maturity | 2.25% | $0 |
| UnknownTerm: 91 Days. Available for Traditional, Roth, and Education IRAs. Interest compounded daily and paid at maturity | 0.05% | $0 |
| 8 monthsTerm: 8 Months. Available for Traditional, Roth, and Education IRAs. Interest compounded daily and paid quarterly | 2.25% | $149 |
| 10 monthsTerm: 10 Months. Available for Traditional, Roth, and Education IRAs. Interest compounded daily and paid quarterly | 2.25% | $187 |
| 11 monthsTerm: 11 Months. Available for Traditional, Roth, and Education IRAs. Interest compounded daily and paid quarterly | 4.10% | $375 |
| 12 monthsTerm: 12 Months. Available for Traditional, Roth, and Education IRAs. Interest compounded daily and paid quarterly | 2.25% | $225 |
| 14 monthsTerm: 14 Months. Available for Traditional, Roth, and Education IRAs. Interest compounded daily and paid quarterly | 2.25% | $263 |
| 19 monthsTerm: 19 Months. Available for Traditional, Roth, and Education IRAs. Interest compounded daily and paid quarterly | 2.25% | $359 |
| 24 monthsTerm: 24 Months. Available for Traditional, Roth, and Education IRAs. Interest compounded daily and paid quarterly | 2.25% | $455 |
| 30 monthsTerm: 30 Months. Available for Traditional, Roth, and Education IRAs. Interest compounded daily and paid quarterly | 2.25% | $572 |
| 36 monthsTerm: 36 Months. Available for Traditional, Roth, and Education IRAs. Interest compounded daily and paid quarterly | 2.00% | $612 |
| 42 monthsTerm: 42 Months. Available for Traditional, Roth, and Education IRAs. Interest compounded daily and paid quarterly | 2.00% | $718 |
| 48 monthsTerm: 48 Months. Available for Traditional, Roth, and Education IRAs. Interest compounded daily and paid quarterly | 4.30% | $1,834 |
| 60 monthsTerm: 60 Months. Available for Roth and Education IRAs only (Traditional IRAs limited to terms of 48 months or less). Interest compounded daily and paid quarterly | 2.00% | $1,041 |
Sources (1)
- capfed.com/personal/personal-a…s/personal-deposit-rates · captured Oct 17, 2026
Blue Bucks® Kids' Certificate of Deposit
2.25%APY · 1 term
Fixed-rate 12-month CD for minors. $100 minimum deposit. Interest compounded daily and credited quarterly. Early withdrawal penalty: 90 days interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm: 12 Months. Interest compounded daily and credited quarterly. Early withdrawal penalty is 90 days of interest | 2.25% | $225 |
Sources (2)
- capfed.com/personal/personal-a…s/personal-deposit-rates
- capfed.com/resources/disclosur…s-12-month-blue-bucks-cd
All captured Oct 17, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.