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Capital Community Bank Review

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Capital Community Bank Savings
0.35% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Founded in 1993, Capital Community Bank has assets totaling $359 million along with deposits totaling $308 million, which makes it a small bank. Capital Community Bank, whose headquarters are in Provo, Utah, lacks premium access to support representatives, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. At a SmartAsset rating of 4.4 stars out of 5, Capital Community Bank should be solidly in contention for your choice of bank. Capital Community Bank has a varied choice of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, mortgage products and credit cards. It has a fair savings rate compared to the average savings account. If you're interested in stress-free personal checking, the bank's standard checking does not carry a monthly fee. Locating a checking account with no monthly fee and a savings account with a high interest rate at the same institution is your best option for accruing the most income on your deposits alongside easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

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


SmartAsset Average: 3.5

Capital Community Bank has a savings rate of 0.35%, which is fair compared to the average U.S. bank. Its one-year and five-year term lengths CDs earn at a rate of 1.40% and 2.30%, respectively, while its highest-yielding money market account earns at an APY of 0.40%. Given Capital Community Bank's noncompetitive savings rate, you should think about choosing another bank to earn more on your deposits.

How Capital Community Bank's Savings Rates Compare

Capital Community Bank Savings 0.35 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Capital Community Bank generally has extremely low fees in comparison to other U.S. banks. With no monthly fee, Capital Community Bank's checking account is ideal for those who want an easy banking experience. Capital Community Bank does not refund out-of-network ATM charges, meaning you'll be required to locate a Capital Community Bank ATM or eat the fee.

Monthly Fee $0 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

SmartAsset Average: 3.7

Capital Community Bank is a brick-and-mortar bank, with five total bank locations in Utah. With mobile and web apps, Capital Community Bank makes account access straightforward, even on the go. Capital Community Bank's online and mobile banking platforms receive poor scores from customers. With 7 ratings on both iOS and Android platforms, the Capital Community Bank mobile app has an overall rating of 3.3 out of 5 (compared to the national average of 3.8). Capital Community Bank's mobile app allows you to control your funds by reviewing monthly statements, transferring money as well as reaching support representatives. Capital Community Bank receives a superb consumer satisfaction score based on relatively few consumer complaints reported to the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 3.3/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Capital Community Bank is currently a small bank owning $359 million in assets as well as deposits totaling $308 million. Its Texas Ratio is 5.68%, denoting that the bank is in good financial health and far from failure. Additionally, Capital Community Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

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 Community Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.35% APY $25
Checking Account 0.1% APY $25
Certificates of Deposit
  • 12 Month: 1.40% APY
  • 24 Month: 1.70% APY
  • 36 Month: 2.00% APY
  • 48 Month: 2.00% APY
  • 60 Month: 2.30% APY
$1000 for all terms
Money Market Account 0.35% APY $1

Capital Community 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 Community Bank does not have the best savings rate, which means you should consider looking 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 Community Bank's CD rates are fair in comparison to the average U.S. bank.

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Find a Capital Community Bank Near Me

Capital Community Bank has five branches in the U.S.

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