Bank · FDIC insured
Capital Bank Savings Rates
Capital Bank’s best savings rate is 0.25% APY on $10,000, with its Personal Savings. Rates checked October 16, 2026.
How Capital Bank’s savings 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
0.25%APY
- Minimum
- $100
- Earns on $10,000 a year
- $25
Personal Savings
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
Capital Bank savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Personal Savings
0.25%APY
Service charge of $12 per quarter if minimum daily balance is below $300. Maintain $100 minimum daily balance to earn interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum opening deposit $100 and minimum daily balance of $100 to earn stated interest. $12 per quarter service fee if minimum daily balance is below $300.$100 and up | 0.25% | $25 | Minimum opening deposit $100 and minimum daily balance of $100 to earn stated interest. $12 per quarter service fee if minimum daily balance is below $300. |
Special-purpose accounts
Variable Rate IRA
0.10%APY · 1 term
18-month term with variable rate. Minimum to open and receive stated interest is $300.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsMinimum to open Variable Rate IRA and receive stated interest is $300 for an 18-month term | 0.10% | $15 |
Sources (1)
- capitalbanktx.com/Rates · captured Sep 25, 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.