Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank. The Bank is a community-oriented financial institution offering a variety of financial services to meet the needs of the communities it serves. It attracts retail deposits from the general public and invests those funds primarily in permanent loans secured by first mortgages on owner-occupied, one- to four-family residences. Capitol Federal Savings Bank also originates consumer loans primarily secured by mortgages on one- to four-family residences, originates and participates in loans with other lenders that are secured by commercial real estate, and invests in certain investment securities and mortgage-backed securities using funding from retail deposits, brokered and public unit deposits, Federal Home Loan Bank Topeka borrowings, and repurchase agreements. It offers a variety of deposit accounts having a wide range of interest rates and terms, which generally include savings accounts, money market accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit with terms ranging from 91 days to 96 months.