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  Capital Bank Certificates of Deposit

Capital Bank Certificates of Deposit

in CD Accounts from Capital Bank Of Texas · fdic

Unaffiliated

Capital Bank Certificates of Deposit

Unaffiliated

in CD Accounts from Capital Bank Of Texas · Member FDIC

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Highlights
Minimum Opening Deposit Starting at $500
Certificate Term
  • 3 months
  • 6 months
  • 12 months
  • 2 years
  • 5 years
  • 18 months
  • 1 month
  • 9 months
  • 59 months
APY (Annual Percentage Yield) 0.05% - 0.55%

Capital Bank Certificates of Deposit Review

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

Key Takeaways
  • Very high APY. This account offers an annual percentage yield of up to 0.55%, which is much higher than the national average for a CD account.
  • $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
  • FDIC insured.
  • Multiple CD terms available.
  • High-interest yield.
  • No charge on incoming domestic or international wire transfers.
  • 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 accounts from Capital Bank Of Texas federally insured?

Yes, your Capital Bank Of Texas cd accounts 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 Certificates of Deposit 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 CD term ends.

Capital Bank Of Texas does not charge an early withdrawal fee.

Capital Bank Certificates of Deposit Fees
Description
Transfer Fee $5
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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

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 4:00am
  • Tuesday 9:00am - 4:00am
  • Wednesday 9:00am - 4:00am
  • Thursday 9:00am - 4:00am
  • Friday 9:00am - 6:00am
  • Saturday 8:00am - 12:00pm

Other Services by Capital Bank Of Texas

Availability

  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

Transfer Fee $5
Minimum Opening Deposit Starting at $500
11-Month APY 0.25% - 0.35%
2-Year APY 0.3% - 0.4%
3-Month APY 0.1% - 0.2%
4-Year APY 0.35% - 0.45%
5-Year APY 0.55% - 0.65%
6-Month APY 0.20% - 0.30%
12-Month APY 0.25% - 0.35%
APY (Annual Percentage Yield) 0.05% - 0.55%
Grace Period for Account Changes 10 days
Certificate Term
  • 3 months
  • 6 months
  • 12 months
  • 2 years
  • 5 years
  • 18 months
  • 1 month
  • 9 months
  • 59 months

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