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.

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Disappointing Presidents' Day CD Specials - 2/17/2019

14 months - 2.50% APY 34 months - 2.80% APY 54 months - 3.00% APY Available for personal accounts opened in person at any Capitol Federal® office during normal business hours on Monday, February 18, 2019. Also available for accounts opened online at beginning Monday, February 18, 2019 at 8:00 a.m. CST through Monday, February 18, 2019 at 9:00 p.m. CST. Personal, retirement or personal trust account deposits only. Annual Percentage Yield (APY) effective as of 02-18-19. Offer available 02-18-19 only. May be subject to early withdrawal penalty. $1,000 minimum balance to open and earn APY. Account requests accepted in person, online or by mail only. Mail requests must be received on or before February 18, 2019 and will be opened only on that date. Requests by fax, email, phone or other transmission will not be accepted. Certain restrictions apply when opening an account online. IRAs and personal trust accounts cannot be opened online.

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Reviews (6)


Posted by: wals | Sep 28, 2018

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 And when it does, it's like something from the early 2000's. Looks really outdated and SOOOO confusing to navigate.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: nmcd1313 | May 19, 2017

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: Anonymous | Feb 16, 2012

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!


Health Grade Components

FDIC Certificate #27981
Year Established1893
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.01%
Return on Equity - YTD7.88%
Annual Interest Income$165.1MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$9.31B$9.07B
LoansQ2 2019vs Q2 2018$7.51B$7.24B
DepositsQ2 2019vs Q2 2018$5.76B$5.51B
Equity CapitalQ2 2019vs Q2 2018$1.17B$1.17B
Loan Loss AllowanceQ2 2019vs Q2 2018$9.0MM$8.3MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$10.0MM$11.9MM
Real Estate OwnedQ2 2019vs Q2 2018$1.1MM$897.00K
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Always verify rates and promotions with the bank or credit union. We are not Capitol Federal Savings Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Capitol Federal Savings Bank Money Market Rates

1.00%*$200k*-Money Market Select Account
OTHER TIERS: 0.20% $1k - $10k | 0.30% $10k - $25k | 0.35% $25k - $50k | 0.60% $50k - $100k | 0.85% $100k - $200k

Capitol Federal Savings Bank CD Rates

2.35%$1k-5 Year CD
2.35%$1k-4 Year CD
2.30%$1k-42 Month CD
2.25%$1k-3 Year CD
2.20%$1k-30 Month CD
2.15%$1k-27 Month CD
2.10%$1k-8 Year CD
2.00%$1k-19 Month CD
2.00%$1k-2 Year CD
1.90%$1k-1 Year CD
1.90%$1k-14 Month CD
1.80%$1k-8 Month CD
1.80%$1k-10 Month CD
1.75%$1k-182 Day CD
1.74%$1k-91 Day CD

Capitol Federal Savings Bank IRA Rates

2.35%$1k-5 Year Education/Roth IRA
2.35%$1k-4 Year IRA
2.30%$1k-42 Month IRA
2.25%$1k-3 Year IRA
2.20%$1k-30 Month IRA
2.15%$1k-27 Month IRA
2.00%$1k-19 Month IRA
2.00%$1k-2 Year IRA
1.90%$1k-1 Year IRA
1.90%$1k-14 Month IRA
1.80%$1k-8 Month IRA
1.80%$1k-10 Month IRA
1.75%$1k-182 Day IRA
1.74%$1k-91 Day IRA


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