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Last Updated: 04/18/2025

Capital Bank Certificates of Deposit

from Capital Bank Of Texas

Last Updated: 04/18/2025

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Highlights

APY (Annual Percentage Yield)

0.05% - 0.55%(Verified 06/21/2024)

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Minimum Opening Deposit

Starting at $500

Certificate Term

1 month
3 months
6 months
9 months
12 months
18 months
2 years
59 months
5 years

Capital Bank Certificates of Deposit Review

Capital Bank Certificates of Deposit are offered by Capital Bank Of Texas, a bank founded in 1965 and based in Houston, TX. Capital Bank Certificates of Deposit are available in 1 state.

Key Takeaways

Low APY. The maximum annual percentage yield for this account is only 0.55%.
$500 minimum deposit. This is a typical minimum initial deposit for the CDs we track.
Wide selection of CD terms. Capital Bank Certificates of Deposit allows you to create a CD ladder by spreading your cash across certificates with different terms. This combines the benefits of frequent access to funds and higher rates of return on your savings.

Pros & Cons of Capital Bank Certificates of Deposit

Pros

Cons

CDs are insured up to FDIC limits.
Multiple CD terms available.
High-interest yield.

Only available in one state.
There isn't a no-penalty CD option.
Does not offer an IRA CD.

Capital Bank Certificates of Deposit FAQ

Are CD from Capital Bank Of Texas federally insured?

Yes, your Capital Bank Of Texas CDs are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What is the grace period for Capital Bank Certificates of Deposit?

There is a 10-day grace period for Capital Bank Certificates of Deposit. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the 10-day grace period. Note that the new CD rates probably won’t be the same as the original.

What types of fees, such as early withdrawal penalties, does Capital Bank Of Texas charge?

Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the term ends.

Capital Bank Of Texas charges an early withdrawal fee.

Capital Bank Certificates of Deposit Fees

Description

Transfer Fee

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

10304 I-10 East, Houston, TX 77029

Houston, TX 77029

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Hours of Operation

Sunday12:00AM - 12:00AMMonday9:00AM - 4:00AMTuesday9:00AM - 4:00AMWednesday9:00AM - 4:00AMThursday9:00AM - 4:00AMFriday9:00AM - 6:00AMSaturday8:00AM - 12:00PM

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SuperMoney Net Recommendation Score

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-1000+100

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