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Capital City Bank Review

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

Overview

Capital City Bank was founded in 1907 and is headquartered in Tallahassee, Florida. It manages $3 billion in assets along with $2 billion in deposits, which makes it a large bank. Capital City Bank has above-average access to customer service with a live chat feature, which is helpful for those that work during typical customer service hours. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. Overall, Capital City Bank is a bank with better alternatives, with a score of 3.5 out of 5 stars from our experts. Capital City Bank provides customers with a full suite of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; you can find higher rates with other banks. The bank's standard checking account maintains a monthly fee of $6.95, making it a rather costly bank for checking. Banks that offer free checking, in addition to a high savings APY are the best option for gaining the highest income on your deposits while maintaining convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

3.5/5
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

Capital City Bank has a savings rate of 0.05%, which is fair compared to the national average. Its one-year CD earns at a rate of 0.15% and the five-year CD has a rate of 0.60%, while its highest-yielding money market account has an APY of 0.05%. Given its below average savings rate, you should consider other options to earn more on your deposits.

How Capital City Bank's Savings Rates Compare

Capital City Bank Savings 0.05 National Average 0.26 Compare Offers
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Fees

2.0
SmartAsset Average: 4.4

Capital City Bank charges its customers high fees in comparison to the national average. Capital City Bank's checking account has a monthly fee of $6.95, ranking it fair for anyone looking for a simple account. Capital City Bank doesn't reimburse out-of-network ATM fees, which means you will need to locate a Capital City Bank ATM or accept the ATM charge.

Monthly Fee $6.95 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

4.3
SmartAsset Average: 3.7

Capital City Bank is a brick-and-mortar bank, with 66 total branches in Alabama, Florida and Georgia. With mobile and web apps, Capital City Bank makes mobile banking straightforward, even on the go. It does not provide access to all-day customer service with actual service representatives. You can get help during its customer service hours, which are Monday through Friday, 8:00 a.m. to 6:00 p.m. ET; Saturday, and 9:00 a.m. to 12:00 p.m. ET. Additionally, Capital City Bank offers a live chat feature, giving customers an easy access point throughout the day. Capital City Bank gets moderately positive ratings from customers for its mobile app. With 1,400 ratings on both Apple and Android platforms, the Capital City Bank mobile app is scored at 4.2 out of 5 (compared to the national average of 3.8). You can utilize Capital City Bank's mobile app to control your funds by reviewing account balances, transferring money and reaching support representatives. Capital City Bank gets a superb consumer satisfaction score based on comparatively few consumer complaints brought to the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating 4.2/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat Yes
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Financial Health

4.9
SmartAsset Average: 4.8

Capital City Bank ranks as a large bank with assets totaling $3 billion and deposits totaling $2 billion. Its Texas Ratio is 3.28%, signifying that the bank is in excellent financial shape and improbable to fail. Additionally, Capital City Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

3.28%
High Risk 75% 50% 20% 10% Low Risk

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 Capital City Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.05% APY $1
Checking Account 0.01% APY $1
Certificates of Deposit
  • 12 Month: 0.15% APY
  • 24 Month: 0.25% APY
  • 36 Month: 0.35% APY
  • 48 Month: 0.50% APY
  • 60 Month: 0.60% APY
$1000 for all terms
Money Market Accounts 0.01% APY 0.05% APY $10000 $15000

Capital City Bank has several deposit products like savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Capital City Bank does not have the best savings rate, which means you should consider 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. Capital City Bank's CD rates are fair in comparison to the national average.

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Find a Capital City Bank Near Me

Capital City Bank has 66 physical branches across the U.S.

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