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1 star rating based on 1 review.

Capitol Federal Savings Bank

Capitol Federal Savings Bank Locations
700 Kansas Ave
Topeka, KS 66603
785-235-1341
www.capfed.com

FDIC


Capitol Federal Savings proudly celebrates more than 115 years of service to their customers and their communities. Throughout its history, the Bank has remained steadfast in its commitment to the American dream of home ownership. They thank their many generations of customers for their loyalty and rededicate themselves to the ideals of the Bank's Corporate Philosophy of Safety in Savings, Sound Lending Policies, and Quality Customer Service. Customer trust in the strength of Capitol Federal has led them into a new century, and they look forward to a partnership with their customers in the development of their communities and in meeting the challenges their new century will bestow.

Capitol Federal Savings Bank Routing Number: 301171285

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See Rates for: Money Market | CD | IRA

Capitol Federal Savings Bank Money Market Rates

ApyMinMaxProduct
0.25%$200k-Money Market Select Account

Capitol Federal Savings Bank CD Rates

ApyMinMaxProduct
1.15%$1k-5 Year CD
1.15%$1k-8 Year CD
0.90%$1k-48 Month CD
0.80%$1k-42 Month CD
0.70%$1k-3 Year CD
0.60%$1k-30 Month CD
0.50%$1k-27 Month CD
0.45%$1k-2 Year CD
0.40%$1k-14 Month CD
0.40%$1k-19 Month CD
0.35%$1k-1 Year CD
0.25%$1k-8 Month CD
0.25%$1k-10 Month CD
0.20%$1k-182 Day CD
0.15%$1k-91 Day CD

Capitol Federal Savings Bank IRA Rates

ApyMinMaxProduct
1.15%$1k-5 Year Roth IRA
1.15%$1k-5 Year Education IRA
0.90%$1k-48 Month IRA
0.90%$1k-48 Month Roth IRA
0.90%$1k-48 Month Education IRA
0.80%$1k-42 Month IRA
0.80%$1k-42 Month Roth IRA
0.80%$1k-42 Month Education IRA
0.70%$1k-3 Year IRA
0.70%$1k-3 Year Roth IRA
0.70%$1k-3 Year Education IRA
0.60%$1k-30 Month IRA
0.60%$1k-30 Month Roth IRA
0.60%$1k-30 Month Education IRA
0.50%$1k-27 Month IRA
0.50%$1k-27 Month Roth IRA
0.50%$1k-27 Month Education IRA
0.45%$1k-2 Year IRA
0.45%$1k-2 Year Roth IRA
0.45%$1k-2 Year Education IRA
0.40%$1k-14 Month IRA
0.40%$1k-19 Month IRA
0.40%$1k-14 Month Roth IRA
0.40%$1k-19 Month Roth IRA
0.40%$1k-14 Month Education IRA
0.40%$1k-19 Month Education IRA
0.35%$1k-1 Year IRA
0.35%$1k-1 Year Roth IRA
0.35%$1k-1 Year Education IRA
0.25%$1k-8 Month IRA
0.25%$1k-10 Month IRA
0.25%$1k-8 Month Roth IRA
0.25%$1k-10 Month Roth IRA
0.25%$1k-8 Month Education IRA
0.25%$1k-10 Month Education IRA
0.20%$1k-182 Day IRA
0.20%$1k-182 Day Roth IRA
0.20%$1k-182 Day Education IRA
0.15%$1k-91 Day IRA
0.15%$1k-91 Day Roth IRA
0.15%$1k-91 Day Education IRA

Rates updated: 6/18/2013

Data for Q1 2013


Institution Statistics


Capitol Federal Savings Bank
OTS #00670
FDIC Certificate #27981
BankRate ReportView
Year Established1893
Employees674
Primary RegulatorOCC

Assets and Liabilities

Assets$9.40 billion
Loans$5.72 billion
Deposits$4.95 billion
Equity Capital$1.38 billion
Loan Loss Allowance$10.07 million
Unbacked Noncurrent Loans$26.41 million
Real Estate Owned$6.68 million

Historic Data - March 2012

Assets$9.39 billion
Equity Capital$1.38 billion
Loan Loss Allowance$12.56 million
Unbacked Noncurrent Loans$30.48 million
Real Estate Owned$11.80 million

Profit Margin - Quarterly

Net Interest Margin1.98%
Return on Assets0.76%
Return on Equity5.16%
Interest Income$75.23 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2013 Capitol Federal Savings Bank had $33.09 million in non-current loans and owned real-estate with $1.39 billion in equity and loan loss allowances on hand to cover it. This gives Capitol Federal Savings Bank a Texas Ratio of 2.38% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Capitol Federal Savings Bank decreased slightly from 3.03% as of March 31, 2012 to 2.38% as of March 31, 2013, resulting in a positive change of 21.33%.This indicates that the balance sheet and financial strength for Capitol Federal Savings Bank has improved slightly in recent periods.
Deposit Growth3
In the past year, Capitol Federal Savings Bank has decreased its total deposits by -$46.85 million, resulting in -0.94% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Capitol Federal Savings Bank has shown is average.
Capitalization5
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Capitol Federal Savings Bank has $9.4 billion in assets with $1.39 billion in equity, resulting in a capitalization level of 14.78%, which is excellent.
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Banking At Its Worst
1 stars - Anonymous - Thursday, February 16, 2012 - 5:56 PM

I have been a homeowner for 13 years & just recently refinanced my home with Capitol Federal. It has proven to be the most inconvenient banking I have ever experienced, ranging from Internet services to hours of operation. Be sure & do your research before choosing a bank!

1