Texas Capital Bank Client Support will be closed for Thanksgiving Day on Thursday, November 28, 2024. We will be back to our normal 8:00 AM to 6:00 PM support hours on Friday, November 29, 2024. 

We will be making updates to our website from 8:00pm - 11:00 pm CST on 12/11. During this time, the website may experience some interruptions of functionality or be unavailable.

Texas Capital Bank Interest Rates and Annual Percentage Yields (APY)

Rates effective: Thursday, December 19, 2024

    Personal Banking

    Texas Capital Bank Deposit Rates - Personal Banking

     

    Product Namebalance TIERSInterest rateapy
    Star CheckingNon-interest BearingN/AN/A
    Star Plus CheckingAll Balances0.10%0.10%
    Star Money Market Account
    $500 Minimum to obtain APY disclosed    		$500 - $24,999.99
    $25,000 - $99,999.99
    $100,000 - $249,999.99
    $250,000 - $499,999.99
    $500,000 - $999,999.99
    $1,000,000 - $2,999,999.99
    $3,000,000 - $24,999,999.99
    $25,000,000 or more    		2.60%
    2.60%
    2.60%
    2.60%
    3.30%
    3.30%
    3.30%
    3.40%    		2.64%
    2.64%
    2.64%
    2.64%
    3.36%
    3.36%
    3.36%
    3.46%
    Star High Yield Savings Account
    Only available in Texas    		$0.01 - $1,000,000
    $1,000,000.01 or more    		4.40%
    2.10%    		4.50%
    2.12%
    Star SavingsAll Balances2.10%2.12%
    Shooting Star SavingsAll Balances2.10%2.12%

     

    Rates on all checking, savings and money market account types are for personal accounts only and are subject to change at any time without notice. Interest on checking and money market accounts is compounded daily on the collected balance and paid monthly. Interest on savings accounts is compounded daily on the collected balance and paid quarterly. Fees may reduce earnings on accounts. 

    All Annual Percentage Yields (APYs) and Interest Rates shown are offered on accounts accepted by Texas Capital Bank and effective per the date shown above, unless otherwise noted. APYs represent the yield on a 365-day basis including the effect of compounding and interest reinvestment. Fees may reduce earnings on accounts.

    The Star High-Yield Savings Account is limited to individuals with a Texas residential address. Individuals who do not have a Texas residential address will be offered our Star Savings Account product. Your daily balance up to and including $1,000,000 will earn the disclosed annual percentage yield (APY). Any portion of your daily balance greater than $1,000,000.00 will earn an annual percentage yield (APY) of 2.12%. Rates are subject to change at any time.

    Star Certificates of Deposit (CDs) Rates

    $1,000 Minimum to Open Account 

    deposit terminterest rateAPY
    30 Days
    90 Days
    180 Days
    12 Months
    18 Months
    24 Months    		1.00%
    4.49%
    4.40%
    4.30%
    3.73%
    3.53%    		1.00%
    4.60%
    4.50%
    4.40%
    3.80%
    3.60%

     

    CDs are available for personal accounts only. Interest is calculated and accrued daily based on the daily balance in the account and paid monthly. The interest rate and annual percentage yield (APY) is a fixed rate. We will pay this rate and APY through your maturity date. The annual percentage yield (APY) assumes that interest remains on deposit until maturity. No minimum balance requirement to obtain the annual percentage yield. $1,000 minimum deposit to open the account. Early withdrawals are subject to an early withdrawal penalty. 

    All Annual Percentage Yields (APYs) and Interest Rates shown are offered on accounts accepted by Texas Capital Bank and effective per the date shown above, unless otherwise noted. APYs represent the yield on a 365-day basis including the effect of compounding and interest reinvestment. Fees may reduce earnings on accounts.

    Private Bank

    Texas Capital Bank Deposit Rates - Private Bank

     

    Product namebalance tiersinterest rate Apy
    Star Reserve CheckingAll Balances0.20%0.20%
    Family Office Star Reserve CheckingAll Balances0.20%0.20%
    Family Office Star Money Market
    $500 Minimum to obtain APY disclosed    		$500 - $24,999.99
    $25,000 - $99,999.99
    $100,000 - $249,999.99
    $250,000 - $499,999.99
    $500,000 - $999,999.99
    $1,000,000 - $2,999,999.99
    $3,000,000 - $24,999,999.99
    $25,000,000 or more    		2.60%
    2.60%
    2.60%
    2.60%
    3.30%
    3.30%
    3.30%
    3.40%    		2.64%
    2.64%
    2.64%
    2.64%
    3.36%
    3.36%
    3.36%
    3.46%
    Star Money Market Account
    $500 Minimum to obtain APY disclosed    		$500 - $24,999.99
    $25,000 - $99,999.99
    $100,000 - $249,999.99
    $250,000 - $499,999.99
    $500,000 - $999,999.99
    $1,000,000 - $2,999,999.99
    $3,000,000 - $24,999,999.99
    $25,000,000 or more    		2.60%
    2.60%
    2.60%
    2.60%
    3.30%
    3.30%
    3.30%
    3.40%    		2.64%
    2.64%
    2.64%
    2.64%
    3.36%
    3.36%
    3.36%
    3.46%
    Star High Yield Savings Account
    Only available in Texas    		$0.01 - $1,000,000
    $1,000,000.01 or more    		4.40%
    2.10%    		4.50%
    2.12%
    Star SavingsAll Balances2.10%2.12%
    Shooting Star SavingsAll Balances2.10%2.12%

     

    Rates on all checking and money market account types are subject to change at any time without notice. Interest on checking and money market accounts is compounded daily on the collected balance and paid monthly. 

    All Annual Percentage Yields (APYs) and Interest Rates shown are offered on accounts accepted by Texas Capital Bank and effective per the date shown above, unless otherwise noted. APYs represent the yield on a 365-day basis including the effect of compounding and interest reinvestment. Fees may reduce earnings on accounts.

    The Star High-Yield Savings Account is limited to individuals with a Texas residential address. Individuals who do not have a Texas residential address will be offered our Star Savings Account product. Your daily balance up to and including $1,000,000 will earn the disclosed annual percentage yield (APY). Any portion of your daily balance greater than $1,000,000.00 will earn an annual percentage yield (APY) of 2.12%. Rates are subject to change at any time.

    Star Certificates of Deposit (CDs) Rates

    $1,000 Minimum to Open Account 

    deposit terminterest rateAPY
    30 Days
    90 Days
    180 Days
    12 Months
    18 Months
    24 Months    		1.00%
    4.49%
    4.40%
    4.30%
    3.73%
    3.53%    		1.00%
    4.60%
    4.50%
    4.40%
    3.80%
    3.60%

     

    CDs are available for personal accounts only. Interest is calculated and accrued daily based on the daily balance in the account and paid monthly. The interest rate and annual percentage yield (APY) is a fixed rate. We will pay this rate and APY through your maturity date. The annual percentage yield (APY) assumes that interest remains on deposit until maturity. No minimum balance requirement to obtain the annual percentage yield. $1,000 minimum deposit to open the account. Early withdrawals are subject to an early withdrawal penalty. 

    All Annual Percentage Yields (APYs) and Interest Rates shown are offered on accounts accepted by Texas Capital Bank and effective per the date shown above, unless otherwise noted. APYs represent the yield on a 365-day basis including the effect of compounding and interest reinvestment. Fees may reduce earnings on accounts.

    Small Business

    Texas Capital Bank Deposit Rates - Small Business

     

    Product Namebalance TIERSInterest rateapy

    Small Business Checking

    		Non-Interest-BearingNoneNone
    Elite Business CheckingAll Balances0.25%0.25%

    Business Money Market 
    $500 Minimum to accrue interest

    		$500 - $249,999.99
    $250,000 - $749,999.99
    $750,000 - $999,999.99
    $1,000,000 or more    		2.00%
    2.15%
    2.75%
    2.90%    		2.02%
    2.17%
    2.79%
    2.94%
    Edge Business SavingsAll Balances1.00%1.00%

    Rates on all checking, savings and money market account types are subject to change at any time without notice. Interest on checking and money market accounts is compounded daily on the collected balance and paid monthly. For savings accounts, interest is compounded daily on the collected balance and paid quarterly. Fees may reduce earnings on accounts.

    All Annual Percentage Yields (APYs) and Interest Rates shown are offered on accounts accepted by Texas Capital Bank and effective per the dates shown above, unless otherwise noted. APYs represent the yield on a 365-day basis including the effect of compounding and interest reinvestment.

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