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CapStar Bank Review

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CapStar Bank Savings
0.05% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Established in 2008, CapStar Bank has assets totaling $1 billion as well as deposits totaling $1 billion, which makes the institution a medium-size bank. CapStar Bank, whose headquarters are in Nashville, Tennessee, lacks premium access to customer service, with no live chat or all-day service options available. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. SmartAsset experts rated CapStar Bank 3.8 stars out of 5, which means it is an acceptable bank choice, but may leave you wanting more. CapStar Bank has a varied selection of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, brokerage accounts, mortgage products and credit cards. It has a fair savings rate; you can find higher rates with other banks. If you're looking for a checking account for everyday use, CapStar Bank offers an option without a monthly fee. Banks that offer no-fee checking as well as a high interest rate savings account are your best bet for gaining the highest income on your deposits while maintaining convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

3.8/5
National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more

Rates

2.8
SmartAsset Average: 3.5

With a savings rate of 0.05%, CapStar Bank ranks poorly in comparison to the average U.S. bank. Its one-year and five-year term lengths CDs earn at a rate of 0.20% and 0.90%, respectively, while its highest-yielding money market account has a rate of 0.20%. Given its below average savings rate, you should consider taking a look at other banks for savings accounts.

How CapStar Bank's Savings Rates Compare

CapStar Bank Savings 0.05 National Average 0.26 Compare Offers
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Fees

5.0
SmartAsset Average: 4.4

CapStar Bank has generally extremely low fees in comparison to other U.S. banks. CapStar Bank's checking account has no monthly fee, which makes it excellent for anyone looking for a simple account. For those who will need cash in a pinch, it is perfect because it charges no out-of-network ATM fees. CapStar Bank refunds their out-of-network ATM charges, which means handy access to cash at any time.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee $0 National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

2.5
SmartAsset Average: 3.7

CapStar Bank is a brick-and-mortar bank, with five total bank locations in Tennessee. With mobile and web apps, CapStar Bank makes mobile banking straightforward, even on the go. CapStar Bank's mobile app allows you to control your accounts by monitoring monthly statements, sending and receiving money and reaching support representatives. CapStar Bank gets a superb consumer satisfaction score based on relatively few complaints brought to the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating NR
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

5.0
SmartAsset Average: 4.8

CapStar Bank is a medium-size bank with $1 billion in assets as well as $1 billion in deposits. CapStar Bank's Texas Ratio is 1.85%, indicating that CapStar Bank is in terrific financial condition and far from failure. Additionally, CapStar Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare CapStar Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.05% APY $50
Checking Account 0.03% APY $1500
Certificates of Deposit
  • 12 Month: 0.20% APY
  • 24 Month: 0.40% APY
  • 36 Month: 0.60% APY
  • 48 Month: 0.70% APY
  • 60 Month: 0.90% APY
$500 for all terms
Money Market Account 0.2% APY $2500

CapStar Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. CapStar Bank does not have the best savings rate, which means you should think about taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. CapStar Bank's CD rates are fair in comparison to the national average.

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Find a CapStar Bank Near Me

CapStar Bank has five branches across the U.S.

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