Bank · FDIC insured
National Capital Bank Savings Rates
National Capital Bank’s best savings rate is 0.25% APY on $10,000, with its Premium Money Market. Rates checked October 22, 2026.
How National Capital Bank’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where National Capital Bank has the most branches. $10,000, best rate first.
This bank’s best
National Capital Bank
0.25%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $25
Premium Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
National Capital Bank savings score
70
Savings score
Higher than 27% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.55%
- 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 National 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.
Premium Money Market
0.25%APY
$2,500.00 minimum balance required to open and maintain to avoid a $10.00 monthly service charge. Free Visa Check Card, Online Banking with eStatements, and Mobile Banking.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500$0.01 minimum balance to obtain APY. $2,500 minimum balance to avoid $10 monthly service charge. | 0.05% | — | $0.01 minimum balance to obtain APY. $2,500 minimum balance to avoid $10 monthly service charge. |
| $2,500 – $25,000$2,500 minimum balance to obtain APY. $2,500 minimum balance to avoid $10 monthly service charge. | 0.25% | $25 | $2,500 minimum balance to obtain APY. $2,500 minimum balance to avoid $10 monthly service charge. |
| $25,000 – $50,000$25,000 minimum balance to obtain APY. $2,500 minimum balance to avoid $10 monthly service charge. | 0.35% | — | $25,000 minimum balance to obtain APY. $2,500 minimum balance to avoid $10 monthly service charge. |
| $50,000 – $100,000$50,000 minimum balance to obtain APY. $2,500 minimum balance to avoid $10 monthly service charge. | 0.45% | — | $50,000 minimum balance to obtain APY. $2,500 minimum balance to avoid $10 monthly service charge. |
| $100,000 – $125,000$100,000 minimum balance to obtain APY. $2,500 minimum balance to avoid $10 monthly service charge. | 0.55% | — | $100,000 minimum balance to obtain APY. $2,500 minimum balance to avoid $10 monthly service charge. |
| $125,000 – $250,000$125,000 minimum balance to obtain APY. $2,500 minimum balance to avoid $10 monthly service charge. | 0.60% | — | $125,000 minimum balance to obtain APY. $2,500 minimum balance to avoid $10 monthly service charge. |
| $250,000 – $500,000$250,000 minimum balance to obtain APY. $2,500 minimum balance to avoid $10 monthly service charge. | 0.75% | — | $250,000 minimum balance to obtain APY. $2,500 minimum balance to avoid $10 monthly service charge. |
| $500,000 – $1,000,000$500,000 minimum balance to obtain APY. $2,500 minimum balance to avoid $10 monthly service charge. | 1.00% | — | $500,000 minimum balance to obtain APY. $2,500 minimum balance to avoid $10 monthly service charge. |
| $1,000,000 and up$1,000,000 minimum balance to obtain APY. $2,500 minimum balance to avoid $10 monthly service charge. | 1.51% | — | $1,000,000 minimum balance to obtain APY. $2,500 minimum balance to avoid $10 monthly service charge. |
Sources (2)
All captured Sep 19, 2026
Statement Savings
0.05%APY
$100.00 daily balance required to avoid $2.00 monthly service charge. Limit of 3 withdrawals per month (excluding ATM withdrawals), $1.00 fee per excess withdrawal. $5 fee for paper statements (eStatements free).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance of $0.01 to obtain stated APY. $100 daily balance required to avoid $2.00 monthly service charge.Over $0 | 0.05% | $5 | Minimum balance of $0.01 to obtain stated APY. $100 daily balance required to avoid $2.00 monthly service charge. |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Capital Kid's Club Savings
0.05%APY
Account available to children under 18; must be a custodial account or joint account with parent or guardian. Limit of 3 withdrawals per month (excluding ATM withdrawals), $1.00 fee per excess withdrawal. No monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance of $0.01 to obtain stated APY. Must be a custodial account or joint account with parent/guardian for child under 18.Over $0 | 0.05% | $5 | Minimum balance of $0.01 to obtain stated APY. Must be a custodial account or joint account with parent/guardian for child under 18. |
Sources (2)
All captured Sep 19, 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.