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700 Kansas Ave
Topeka, KS 66603

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.

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Reviews (1)

Banking At Its Worst

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!


Data for Q4 2013

Institution Health


Texas Ratio


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 December 31, 2013 Capitol Federal Savings Bank had $31.42 million in non-current loans and owned real-estate with $1.34 billion in equity and loan loss allowances on hand to cover it. This gives Capitol Federal Savings Bank a Texas Ratio of 2.34% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Capitol Federal Savings Bank experienced no significant changes from 2.53% as of December 31, 2012 to 2.34% as of December 31, 2013, resulting in a positive change of 7.39%.This indicates that the balance sheet and financial strength for Capitol Federal Savings Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Capitol Federal Savings Bank has increased its total deposits by $3.88 million, resulting in 0.08% 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 above average.



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 $9.13 billion in assets with $1.34 billion in equity, resulting in a capitalization level of 14.72%, which is excellent.

Institution Statistics

FDIC Certificate #27981
Year Established1893
Primary RegulatorOCC
Assets and Liabilities
Assets$9.13 billion
Loans$6.02 billion
Deposits$4.85 billion
Equity Capital$1.33 billion
Loan Loss Allowance$8.92 million
Unbacked Noncurrent Loans$27.78 million
Real Estate Owned$3.65 million
Historic Data - December 2012
Assets$9.24 billion
Equity Capital$1.38 billion
Loan Loss Allowance$10.48 million
Unbacked Noncurrent Loans$27.78 million
Real Estate Owned$6.26 million
Profit Margin - Quarterly
Net Interest Margin1.98%
Return on Assets0.75%
Return on Equity5.08%
Interest Income$294.26 million
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Capitol Federal Savings Bank Money Market Rates

0.30%$200k-Money Market Select Account

Capitol Federal Savings Bank CD Rates

1.60%$1k-5 Year CD
1.60%$1k-8 Year CD
1.45%$1k-48 Month CD
1.30%$1k-42 Month CD
1.25%$1k-3 Year CD
0.85%$1k-30 Month CD
0.80%$1k-27 Month CD
0.75%$1k-2 Year CD
0.65%$1k-19 Month CD
0.55%$1k-14 Month CD
0.50%$1k-1 Year CD
0.30%$1k-10 Month CD
0.25%$1k-182 Day CD
0.25%$1k-8 Month CD
0.15%$1k-91 Day CD

Capitol Federal Savings Bank IRA Rates

1.60%$1k-5 Year Roth IRA
1.60%$1k-5 Year Education IRA
1.45%$1k-48 Month IRA (Traditional,Roth,CESA)
1.30%$1k-42 Month IRA (Traditional,Roth,CESA)
1.25%$1k-3 Year IRA (Traditional,Roth,CESA)
0.85%$1k-30 Month IRA (Traditional,Roth,CESA)
0.80%$1k-27 Month IRA (Traditional,Roth,CESA)
0.75%$1k-2 Year IRA (Traditional,Roth,CESA)
0.65%$1k-19 Month IRA (Traditional,Roth,CESA)
0.55%$1k-14 Month IRA (Traditional,Roth,CESA)
0.50%$1k-1 Year IRA (Traditional,Roth,CESA)
0.30%$1k-10 Month IRA (Traditional,Roth,CESA)
0.25%$1k-182 Day IRA (Traditional,Roth,CESA)
0.25%$1k-8 Month IRA (Traditional,Roth,CESA)
0.15%$1k-91 Day IRA (Traditional,Roth,CESA)

Capitol Federal Savings Bank has 46 locations. Click to view all Capitol Federal Savings Bank locations.