Bank · FDIC insured
Texas Capital Bank Savings Rates
Top CarrotTexas Capital Bank’s best savings rate is 3.65% APY on $10,000, with its Star Elite Savings. Rates checked October 16, 2026.
How Texas Capital Bank’s savings rates compare
Compared with banks and credit unions near Dallas, TX, where Texas Capital Bank has the most branches. $10,000, best rate first.
This bank’s best
Texas Capital Bank
3.85%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $385
Star High-Yield Savings Account
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
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
Texas Capital Bank savings score
98
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0003.85%
- $10,000 balance$10,0003.85%
- $100,000 balance$100,0003.85%
- QualifiedQualified3.85%
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 Texas 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.
Star Elite Savings
3.65%APY
Offered under Texas Capital at Work. If an account remains unfunded for 25 business days, the bank reserves the right to close that account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all balances.Any balance | 3.65% | $365 | Applies to all balances. |
Sources (1)
- texascapitalbank.com/personal-banking/current-rates · captured Oct 6, 2026
Family Office Star Money Market
2.29%APY
Private Bank deposit rates. Interest on money market accounts is compounded daily on the collected balance and paid monthly. Rates are subject to change at any time without notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $25,000Interest compounded daily on the collected balance and paid monthly. | 2.29% | $229 | Interest compounded daily on the collected balance and paid monthly. |
| $25,000 – $100,000Interest compounded daily on the collected balance and paid monthly. | 2.29% | — | Interest compounded daily on the collected balance and paid monthly. |
| $100,000 – $250,000Interest compounded daily on the collected balance and paid monthly. | 2.29% | — | Interest compounded daily on the collected balance and paid monthly. |
| $250,000 – $500,000Interest compounded daily on the collected balance and paid monthly. | 2.29% | — | Interest compounded daily on the collected balance and paid monthly. |
| $500,000 – $1,000,000Interest compounded daily on the collected balance and paid monthly. | 2.99% | — | Interest compounded daily on the collected balance and paid monthly. |
| $1,000,000 – $3,000,000Interest compounded daily on the collected balance and paid monthly. | 2.99% | — | Interest compounded daily on the collected balance and paid monthly. |
| $3,000,000 – $25,000,000Interest compounded daily on the collected balance and paid monthly. | 2.99% | — | Interest compounded daily on the collected balance and paid monthly. |
| $25,000,000 and upInterest compounded daily on the collected balance and paid monthly. | 3.11% | — | Interest compounded daily on the collected balance and paid monthly. |
Sources (1)
- texascapitalbank.com/personal-banking/current-rates · captured Oct 6, 2026
Star Money Market Account
2.29%APY
Rates are for personal accounts only and subject to change at any time without notice. Interest is compounded daily on the collected balance and paid monthly. Minimum balance requirement of $500 to obtain the APY. Monthly service charge may be assessed when minimum balance requirements are not met. $100 minimum opening deposit for Money Market accounts.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $25,000Interest compounded daily and paid monthly. Variable rate subject to change. Minimum balance requirement of $500 to obtain the APY. | 2.29% | $229 | Interest compounded daily and paid monthly. Variable rate subject to change. Minimum balance requirement of $500 to obtain the APY. |
| $25,000 – $100,000Interest compounded daily and paid monthly. Variable rate subject to change. Minimum balance requirement of $500 to obtain the APY. | 2.29% | — | Interest compounded daily and paid monthly. Variable rate subject to change. Minimum balance requirement of $500 to obtain the APY. |
| $100,000 – $250,000Interest compounded daily and paid monthly. Variable rate subject to change. Minimum balance requirement of $500 to obtain the APY. | 2.29% | — | Interest compounded daily and paid monthly. Variable rate subject to change. Minimum balance requirement of $500 to obtain the APY. |
| $250,000 – $500,000Interest compounded daily and paid monthly. Variable rate subject to change. Minimum balance requirement of $500 to obtain the APY. | 2.29% | — | Interest compounded daily and paid monthly. Variable rate subject to change. Minimum balance requirement of $500 to obtain the APY. |
| $500,000 – $1,000,000Interest compounded daily and paid monthly. Variable rate subject to change. Minimum balance requirement of $500 to obtain the APY. | 2.99% | — | Interest compounded daily and paid monthly. Variable rate subject to change. Minimum balance requirement of $500 to obtain the APY. |
| $1,000,000 – $3,000,000Interest compounded daily and paid monthly. Variable rate subject to change. Minimum balance requirement of $500 to obtain the APY. | 2.99% | — | Interest compounded daily and paid monthly. Variable rate subject to change. Minimum balance requirement of $500 to obtain the APY. |
| $3,000,000 – $25,000,000Interest compounded daily and paid monthly. Variable rate subject to change. Minimum balance requirement of $500 to obtain the APY. | 2.99% | — | Interest compounded daily and paid monthly. Variable rate subject to change. Minimum balance requirement of $500 to obtain the APY. |
| $25,000,000 and upInterest compounded daily and paid monthly. Variable rate subject to change. Minimum balance requirement of $500 to obtain the APY. | 3.11% | — | Interest compounded daily and paid monthly. Variable rate subject to change. Minimum balance requirement of $500 to obtain the APY. |
Star Reserve Money Market Account
2.29%APY
Private Bank deposit rates. Interest on money market accounts is compounded daily on the collected balance and paid monthly. Rates are subject to change at any time without notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $25,000Interest compounded daily on the collected balance and paid monthly. | 2.29% | $229 | Interest compounded daily on the collected balance and paid monthly. |
| $25,000 – $100,000Interest compounded daily on the collected balance and paid monthly. | 2.29% | — | Interest compounded daily on the collected balance and paid monthly. |
| $100,000 – $250,000Interest compounded daily on the collected balance and paid monthly. | 2.29% | — | Interest compounded daily on the collected balance and paid monthly. |
| $250,000 – $500,000Interest compounded daily on the collected balance and paid monthly. | 2.29% | — | Interest compounded daily on the collected balance and paid monthly. |
| $500,000 – $1,000,000Interest compounded daily on the collected balance and paid monthly. | 2.99% | — | Interest compounded daily on the collected balance and paid monthly. |
| $1,000,000 – $3,000,000Interest compounded daily on the collected balance and paid monthly. | 2.99% | — | Interest compounded daily on the collected balance and paid monthly. |
| $3,000,000 – $25,000,000Interest compounded daily on the collected balance and paid monthly. | 2.99% | — | Interest compounded daily on the collected balance and paid monthly. |
| $25,000,000 and upInterest compounded daily on the collected balance and paid monthly. | 3.11% | — | Interest compounded daily on the collected balance and paid monthly. |
Sources (1)
- texascapitalbank.com/personal-banking/current-rates · captured Oct 6, 2026
Shooting Star Savings
2.12%APY
Interest compounded daily on collected balance and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all balances.Any balance | 2.12% | $212 | Applies to all balances. |
Sources (1)
- texascapitalbank.com/personal-banking/current-rates · captured Oct 6, 2026
Star Savings Account
2.12%APY
Available in all states. Interest compounded daily and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all balances.Any balance | 2.12% | $212 | Applies to all balances. |
Star High-Yield Savings Account
0.00%APY on $10,000
Limited to individuals with a Texas residential address. If you are not a Texas resident, you will be presented with an offer for the Star Savings Account.
| Part of the balance | Rate on that part |
|---|---|
| Over $1,000,000 | 2.10% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
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.