Capitol Federal Savings Bank

Overview / Commentary
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.

Reviews (7)

How Could We Continue With Capped After This.

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Can't Believe What Happened to Us. 1st if you get your mortgage with cap fed, & you close in their office, make sure your title work shows up. ours didn't &I've been told by someone who would know that that is common. We spent 9 years searching for the perfect property & found it,, tucked on a dead end, no road past our house completely private ringed with woods, a unique property for close in Topeka. there were easement marks on a map & we asked cap fed closer about them & he assured us it was a county easement. Well wrong, it was a private easement over the county easement & guess who bought the easement recently, a high ranking cap fed officer. We contested the easement & were harassed, bulldozers sent to our house, trucks, we were offered a contract to buy the land around our property that the easement leads to.. only if we would sign that the easement was theirs if anything kept the sale from going through. Complete deceit & trickery, they had no intent on selling to us. Then a lawsuit saying they lost money because they could not mow & sell the hay on the field,, even though their own property rolls onto the field. This is one of the highest ranking officers at cap fed,, tricking lying, deceiving, harassing & we're supposed to continue to do business, to re finance our mortgage with them? The bulldozers have torn down our woods, ripped down every big tree in its path , opened a road across our private little piece of heaven,, which, basically the bank that holds our mortgage has just allowed allowed one of their highest ranking officers to devalue the unique value of our property


Posted by: |

This bank is horrendous. Their online bank is a disaster. They can't even get it to work properly. And when it does, it's like something from the early 2000's. Looks really outdated and SOOOO confusing to navigate. Not only that, but they charge you every time you use your debit...YOUR DEBIT. It's ridiculous. Thank goodness I took my money out of there!


Posted by: |

I started using this bank in October. I was desperate for a new checking account, one that was deemed to be convenient based on where I live/travel. It was a disaster from the get go. No one EVER explained to me that each charge on your lovely debit card would take a billion days to process. I think most of the time this bank actually held the transactions in queue on purpose so they could milk me for overdraft fees, etc... This institution is corrupt. I have instructed ANY and ALL family friends to pull their accounts immediately. I do not have anything positive to say about this bank. Their communication, or lack thereof is POOR, SUPER SUPER SUPER POOR!!!!! They will shut your card off without even notifying you. What if I had a tire blow out? Or a Life-Threatening situation where I needed to pay for help? Trust me there would be a law-suit on hand for sure. Very glad we parted ways.

If You Have An Account Here...Prepare Your Family For Trouble If You Pass Away...

My mother banked with CapFed for YEARS. She passed away last January, and as executor of her estate, I had problem after problem with obtaining info and getting things straightened out.
I have given CapFed at least 3 copies of her death certificate and at least twice gave them the legal paperwork related to naming me a coexecutor. Every single time I needed info, I was told they did not have the certificate or the paperwork for me to discuss the account.
I was given misleading and incorrect info multiple times about opening up an estate account and wasted hours of my time trying to get that accomplished.
I cannot tell you how many times I have been disconnected from calls with customer service while discussing her account up to and including today.
They do not give copies of checks or deposits with their statements yet feel it is perfectly reasonable to charge a 25 cent fee for each document you need...and you cannot request it and pay by phone if they do not have the paperwork that shows you have authority over the account.
They do not abide by court documents that prohibit making loan payments on a credit line secured by a home until the house is sold and/or the estate is settled, so instead they charge a $300 fee to "reappraise".
I will never have an account with this bank. If you do, prepare your family for nothing but trouble and turmoil.

Money Card Problem

They decided to issue a new money card while daughter was in Europe and deactivate the card she had. Left her stranded in London unable to travel back to Italy. No customer assistance solution available. They are not an international option and would not recommend this product. 2 hours on phone and still no resolution. I would not trust using a money card at cap fed. Do not expect service.

Cap Fed Rental Loans For A Single Fam. House Are A Joke !!

Cap Fed ability to loan money for investment property is designed for wealthier folks only. They want 30% down the norm is 20 to 25% .The want no more than a 20 year note what a joke!!I have excellent credit no debt at all; I just wipe out 40k for a rental house. They need to stay with the good guidelines, but this makes it impossible why even offer this the average person who is a great risk cannot make this happen with such out of whack guidelines!

Banking At Its Worst

Posted by: |

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!

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Capitol Federal Savings Bank has a negative return on equity.

Health Grade Components

FDIC Certificate #27981
Year Established1893
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-1.15%
Return on Equity - YTD-12.21%
Annual Interest Income$361.5MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$9.59B$9.95B
LoansQ4 2023vs Q4 2022$7.95B$7.79B
DepositsQ4 2023vs Q4 2022$6.13B$6.19B
Equity CapitalQ4 2023vs Q4 2022$936.3MM$966.1MM
Loan Loss AllowanceQ4 2023vs Q4 2022$24.2MM$19.2MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$10.4MM$8.4MM
Real Estate OwnedQ4 2023vs Q4 2022$444K$182K

Rates for Capitol Federal Savings Bank are currently being reviewed.



Topeka Area

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