Bank · FDIC insured
Capitol Federal Savings Rates
Top CarrotCapitol Federal’s best savings rate is 3.70% APY on $10,000, with its High Yield eSavings. Rates checked October 17, 2026.
How Capitol Federal’s savings 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
3.70%APY
- Minimum
- $100
- Earns on $10,000 a year
- $370
High Yield eSavings
Top rate
Truity Credit Union
3.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
Capitol Federal savings score
95
Savings score
Higher than 97% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0003.70%
- $100,000 balance$100,0003.70%
- QualifiedQualified3.70%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
High Yield eSavings
3.70%APY
Online only account. Interest compounded daily and credited calendar quarterly. $10 monthly fee waived with $10,000 average daily balance. 3 free withdrawals per month, $2 per withdrawal thereafter.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Applies when daily balance is below $10,000 or account is not enrolled in eStatements. Monthly fee waived with average daily balance of $10,000 or more. | 0.05% | — | Applies when daily balance is below $10,000 or account is not enrolled in eStatements. Monthly fee waived with average daily balance of $10,000 or more. |
| $10,000 and upRequires daily balance of $10,000.00 or more and enrollment in eStatements. Monthly fee waived with average daily balance of $10,000 or more. | 3.70% | $370 | Requires daily balance of $10,000.00 or more and enrollment in eStatements. Monthly fee waived with average daily balance of $10,000 or more. |
Sources (2)
All captured Oct 9, 2026
Money Market Select
0.25%APY
Avoid monthly service charges by maintaining a $1,000 average daily balance. Interest is compounded daily and credited on the last day of each calendar month. Transaction limits apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Daily balance below $999.99 earns 0.00% APY. | 0.00% | — | Daily balance below $999.99 earns 0.00% APY. |
| $1,000 – $10,000 | 0.25% | — | |
| $10,000 – $25,000 | 0.25% | $25 | |
| $25,000 – $50,000 | 0.40% | — | |
| $50,000 – $100,000 | 0.40% | — | |
| $100,000 – $200,000 | 0.65% | — | |
| $200,000 and up | 1.65% | — |
Passcard Savings
0.05%APY
Interest compounded daily and credited calendar quarterly. No monthly service charges or minimum balance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 and up | 0.05% | $5 |
Sources (1)
- capfed.com/resources/disclosur…f-terms-passcard-savings · captured Oct 9, 2026
Special-purpose accounts
Health Savings Account
3.70%APY
Tiered-rate account paying interest on the entire balance according to the applicable tier. Interest compounded daily and credited monthly on the last day of each calendar month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50Daily balance less than $50.00 earns 0.00% APY. | 0.00% | — | Daily balance less than $50.00 earns 0.00% APY. |
| Up to $10,000 | 3.70% | — | |
| $10,000 – $25,000 | 3.70% | $370 | |
| $25,000 – $50,000 | 3.70% | — | |
| $50,000 – $100,000 | 3.70% | — | |
| $100,000 – $200,000 | 3.70% | — | |
| $200,000 and up | 3.70% | — |
Sources (1)
- capfed.com/resources/disclosur…s-health-savings-account · captured Oct 9, 2026
Plan Savings Account
0.25%APY
Available to customers with an IRA, Coverdell Education Savings Account (CESA), or Health Savings Account (HSA) at Capitol Federal. Tiered-rate account that pays interest on the entire balance corresponding to the applicable deposit tier. Interest compounded daily and credited monthly on the last day of each calendar month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50Daily balance less than $50.00 earns 0.00% APY. | 0.00% | — | Daily balance less than $50.00 earns 0.00% APY. |
| Up to $10,000 | 0.25% | — | |
| $10,000 – $25,000 | 0.25% | $25 | |
| $25,000 – $50,000 | 0.50% | — | |
| $50,000 – $100,000 | 0.50% | — | |
| $100,000 – $200,000 | 0.75% | — | |
| $200,000 and up | 1.75% | — |
Sources (2)
All captured Oct 9, 2026
Blue Bucks Kids' Savings Account
0.05%APY
Available for children ages 0 to 13 with parent/legal guardian as joint owner. Opened in branch. Interest compounded daily and credited calendar quarterly. No minimum balance required to avoid monthly fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50Daily balance less than $50.00 earns 0.00% APY. | 0.00% | — | Daily balance less than $50.00 earns 0.00% APY. |
| $50 and upMinimum balance to earn interest is $50.00. | 0.05% | $5 | Minimum balance to earn interest is $50.00. |
Sources (2)
- capfed.com/resources/disclosur…terms-blue-bucks-savings
- capfed.com/personal/personal-a…ducation-savings-account
All captured Oct 9, 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.