What are the current interest rates at Capitol Federal Savings Bank?

Current rates for Capitol Federal Savings Bank include: 12-Month CD: 2.25%, 18-Month CD: 2.25%, 24-Month CD: 3.90%, 36-Month CD: 2.00%, 48-Month CD: 4.20%, 60-Month CD: 2.00%, Savings: 0.05%, MMA: 0.25%

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Capitol Federal Savings Bank

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Capitol Federal Savings Bank Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Capitol Federal Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 14, 2026

Capitol Federal Savings Bank's 48-Months 48-Month Business Certificate of Deposit rates are at 4.20%, 48-Months 48-Month Certificate of Deposit rates are at 4.20%, 48-Months 48-Month CD rates are at 4.20%, 182 Days 182 Day Business Certificate of Deposit rates are at 4.10%, 182 Days 182 Day Certificate of Deposit rates are at 4.10%. Capitol Federal Savings Bank's savings rates are at 0.05%. Capitol Federal Savings Bank's money market rates are at 0.25%. Capitol Federal Savings Bank's Personal Loan Rates are as low as 18.00%. MonitorBankRates evaluates the financial stability of Capitol Federal Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.21%. Rates last updated and verified on 09/14/2026.

Capitol Federal Savings Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Capitol Federal Savings Bank? Share your experience about Capitol Federal Savings Bank by leaving a review below, or read customer reviews before you decide to use Capitol Federal Savings Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.21%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

Capitol Federal Savings Bank

700 S Kansas Ave
Topeka, KS 66603

https://www.capfed.com

Capitol Federal Savings Bank CD Rates

Product	Rate	APY	Term
48 Month Business Certificate of Deposit	4.11%	4.20%	48 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
48 Month Certificate of Deposit	4.11%	4.20%	48 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
48-Month CD	-	4.20%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Interest compounded daily and paid quarterly. May be subject to early withdrawal penalty. Certain restrictions apply when opening an account online. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
182 Day Business Certificate of Deposit	4.02%	4.10%	182 Days
Min Balance $1,000 Details Interest compounded daily and paid at maturity. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
182 Day Certificate of Deposit	4.02%	4.10%	182 Days
Min Balance $1,000 Details Interest is compounded daily and paid at maturity. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
182-Day CD	-	4.10%	182 days
Min Deposit $1,000 Min Balance $1,000 Details Interest compounded daily and paid at maturity. May be subject to early withdrawal penalty. Certain restrictions apply when opening an account online. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
30 Month Business Certificate of Deposit	3.92%	4.00%	30 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
30 Month Certificate of Deposit	3.92%	4.00%	30 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
30-Month CD	-	4.00%	30 months
Min Deposit $1,000 Min Balance $1,000 Details Interest compounded daily and paid quarterly. May be subject to early withdrawal penalty. Certain restrictions apply when opening an account online. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
24 Month Business Certificate of Deposit	3.83%	3.90%	24 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
24 Month Certificate of Deposit	3.83%	3.90%	24 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
24-Month CD	-	3.90%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Interest compounded daily and paid quarterly. May be subject to early withdrawal penalty. Certain restrictions apply when opening an account online. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
10 Month Business Certificate of Deposit	2.23%	2.25%	10 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
10 Month Certificate of Deposit	2.23%	2.25%	10 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
12 Month Business Certificate of Deposit	2.23%	2.25%	12 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
12 Month Certificate of Deposit	2.23%	2.25%	12 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
14 Month Business Certificate of Deposit	2.23%	2.25%	14 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
14 Month Certificate of Deposit	2.23%	2.25%	14 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
19 Month Business Certificate of Deposit	2.23%	2.25%	19 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
19 Month Certificate of Deposit	2.23%	2.25%	19 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
8 Month Business Certificate of Deposit	2.23%	2.25%	8 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
8 Month Certificate of Deposit	2.23%	2.25%	8 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
36 Month Business Certificate of Deposit	1.98%	2.00%	36 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
36 Month Certificate of Deposit	1.98%	2.00%	36 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
42 Month Business Certificate of Deposit	1.98%	2.00%	42 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
42 Month Certificate of Deposit	1.98%	2.00%	42 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
60 Month Business Certificate of Deposit	1.98%	2.00%	60 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
60 Month Certificate of Deposit	1.98%	2.00%	60 Months
Min Balance $1,000 Details Interest compounded daily and paid quarterly. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
91 Day Business Certificate of Deposit	0.05%	0.05%	91 Days
Min Balance $1,000 Details Interest compounded daily and paid at maturity. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
91 Day Certificate of Deposit	0.05%	0.05%	91 Days
Min Balance $1,000 Details Interest is compounded daily and paid at maturity. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%

Capitol Federal Savings Bank Savings Rates

Product	Rate	APY
eSavings Account	0.05%	0.05%
Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
Passcard Savings	0.05%	0.05%
Min Balance $100 Details Transaction limits apply. Interest rates, annual percentage yields (APY) and fees are subject to change without notice. All funds placed into a Passcard Savings account are FDIC insured to the maximum allowed by law. Service charges may reduce the earnings on the account. See Disclosure Information Booklet for more information. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%

Capitol Federal Savings Bank Money Market Rates

Product	Rate	APY
Money Market Select Account	1.65%	1.65%
Min Balance $200,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
Commercial Money Market	1.49%	1.50%
Min Balance $200,000 Details Balance: $200,000 - $749,999.99 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
Commercial Money Market	1.49%	1.50%
Min Balance $750,000 Details Balance: $750,000 - $999,999.99 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
Commercial Money Market	1.49%	1.50%
Min Balance $1,000,000 Details Balance: $1,000,000 - $1,999,999.99 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
Commercial Money Market	1.49%	1.50%
Min Balance $2,000,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
Commercial Money Market	1.00%	1.00%
Min Balance $50,000 Details Balance: $50,000 - $199,999.99 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
Money Market Select Account	0.65%	0.65%
Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
Commercial Money Market	0.50%	0.50%
Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
Money Market Select Account	0.40%	0.40%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
Money Market Select Account	0.40%	0.40%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
Money Market Select Account	0.25%	0.25%
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
Money Market Select Account	0.25%	0.25%
Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%

Capitol Federal Savings Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity/Home Improvement Loan - 1st Mortgage	6.75%	-	6.75%	180 Months
Details Loan Amounts: $1,000 to $40,000; Maximum LTV: 25% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
Execuline Home Equity Line of Credit	7.25%	-	7.25%	7-year draw term
Details Loan Amounts: $6,000 to $300,000; Maximum LTV: 80.00% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
Home Equity/Home Improvement - 2nd Mortgage	8.25%	-	8.25%	180 Months
Details Loan Amounts: $1,000 to $300,000; Maximum LTV: 80.00% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%
Execuline Home Equity Line of Credit	9.25%	-	9.25%	7-year draw term
Details Loan Amounts: $6,000 to $200,000; Maximum LTV: 90.00% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%

Capitol Federal Savings Bank Personal Loan Rates

Product	APR	Term	View More
Unsecured Line of Credit	18.00%
Details Loan Amount: $500 to $2,500; Checking Account must exist or be opened and setup with overdraft protection using the line of credit. Certain restrictions apply. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.21%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Capitol Federal Savings Bank’s Texas Ratio rose from 1.06% in Q3 2023 to 5.21% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$9.7B	5.21%	5.0	A+
March 31, 2026	$9.8B	5.59%	5.0	A+
December 31, 2025	$9.8B	4.94%	5.0	A+
September 30, 2025	$9.8B	4.83%	5.0	A+
June 30, 2025	$9.7B	4.86%	5.0	A+
March 31, 2025	$9.7B	1.13%	5.0	A+
December 31, 2024	$9.6B	1.21%	5.0	A+
September 30, 2024	$9.5B	1.09%	5.0	A+
June 30, 2024	$9.6B	0.94%	5.0	A+
March 31, 2024	$9.7B	0.96%	5.0	A+
December 31, 2023	$9.6B	1.15%	5.0	A+
September 30, 2023	$10.2B	1.06%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Capitol Federal Savings Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Capitol Federal Savings Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Capitol Federal Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Capitol Federal Savings Bank

Bank Holding Company CAPITOL FEDERAL FINANCIAL INC

Address 700 S Kansas Ave, Topeka, KS 66603 · Shawnee

Website https://www.capfed.com

FDIC Certificate # 27981

Established 18930101

FDIC Insurance Date 19890809

Domestic Offices 46

Total Branches 46

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.21%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8987%

Return on Equity (ROE) 8.9200%

Non-Performing Loans (NPL) 0.53%

Total Assets $9,677,291,000

Total Deposits $6,918,089,000

Equity Capital $978,024,000

Net Income $43,910,000

Headquarters Topeka

Total Branches and Offices 46

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Capitol Federal Savings Bank earned the Verified Healthy badge

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Frequently Asked Questions About Capitol Federal Savings Bank

How many branches does Capitol Federal Savings Bank operate?

Capitol Federal Savings Bank currently maintains approximately 46 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Capitol Federal Savings Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Capitol Federal Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Capitol Federal Savings Bank offer online and mobile banking?

Most modern institutions like Capitol Federal Savings Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.capfed.com.