Bank · FDIC insured
Capital Bank CD Rates
Capital Bank’s best CD rate is 3.80% APY on a 3-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Capital Bank’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Capital Bank has the most branches. $10,000, best rate first.
This bank’s best
Capital Bank
3.55%APY
- Term
- 3 months
- Minimum
- $500
- Earns on $10,000
- $88
Certificate of Deposit
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Capital Bank CD score
69
CD score
Higher than 23% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.29%
- 16–30 months16–30 mo2.02%
- 31–60 months31–60 mo0.75%
- QualifiedQualified3.55%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Capital Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 3.55%APY · 10 terms
After CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Automatically renewed following a 10-day grace period after the maturity date.
| Term | APY · Up to $100,000 | APY · $100,000 – $250,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 3.55% | 3.70% | 3.80% | 3.55%3.70% $100k–$250k3.80% from $250k | $88 |
| 6 months | 3.49% | 3.65% | 3.75% | 3.49%3.65% $100k–$250k3.75% from $250k | $173 |
| 9 months | 3.29% | 3.49% | 3.60% | 3.29%3.49% $100k–$250k3.60% from $250k | $246 |
| 12 months | 2.79% | 2.98% | 3.08% | 2.79%2.98% $100k–$250k3.08% from $250k | $279 |
| 18 months | 2.02% | 2.27% | 2.52% | 2.02%2.27% $100k–$250k2.52% from $250k | $305 |
| 24 months | 0.55% | 0.80% | 0.90% | 0.55%0.80% $100k–$250k0.90% from $250k | $110 |
| 30 months | 0.60% | 0.85% | 1.10% | 0.60%0.85% $100k–$250k1.10% from $250k | $151 |
| 36 months | 0.60% | 0.85% | 1.10% | 0.60%0.85% $100k–$250k1.10% from $250k | $181 |
| 48 months | 0.60% | 0.85% | 1.10% | 0.60%0.85% $100k–$250k1.10% from $250k | $242 |
| 60 months | 0.75% | 1.00% | 1.26% | 0.75%1.00% $100k–$250k1.26% from $250k | $381 |
Special-purpose accounts
IRA Certificate of Deposit
Up to 2.79%APY · 5 terms
Minimum deposit to open IRA is $500.00. Early withdrawal penalties apply.
| Term | APY · Up to $100,000 | APY · $100,000 – $250,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsMinimum deposit to open IRA is $500.00 | 2.79% | 2.98% | 3.08% | 2.79%2.98% $100k–$250k3.08% from $250k | $279 |
| 18 monthsMinimum deposit to open IRA is $500.00 | 2.01% | 2.27% | 2.52% | 2.01%2.27% $100k–$250k2.52% from $250k | $303 |
| 24 monthsMinimum deposit to open IRA is $500.00 | 0.55% | 0.80% | 0.90% | 0.55%0.80% $100k–$250k0.90% from $250k | $110 |
| 36 monthsMinimum deposit to open IRA is $500.00 | 0.60% | 0.85% | 1.10% | 0.60%0.85% $100k–$250k1.10% from $250k | $181 |
| 60 monthsMinimum deposit to open IRA is $500.00 | 0.75% | 1.00% | 1.26% | 0.75%1.00% $100k–$250k1.26% from $250k | $381 |
Sources (1)
- capitalbanktx.com/Rates · captured Sep 17, 2026
Variable Rate IRA
0.10%APY · 1 term
Term of 18 months. Minimum to open and to receive stated interest is $300. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsMinimum to Open Variable Rate IRA and to receive stated interest is $300 for a term of 18 months | 0.10% | $15 |
Sources (1)
- capitalbanktx.com/Rates · captured Sep 17, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.