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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

CapStar Bank was founded in 2008 with headquarters located in Nashville, Tennessee. It has $1 billion in assets and $1 billion in deposits, ranking it as a medium-size bank. CapStar Bank lacks premium access to support representatives, with no live chat or all-day service options available. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. Coming in at an average 3.8 out of 5 stars, CapStar Bank is an acceptable bank choice, but may leave you wanting more. CapStar Bank has a complete suite of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs, brokerage accounts, mortgage products and credit cards. CapStar Bank 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 have a monthly fee. Obtaining a checking account with no monthly fee as well as a savings account with a high APY at the same institution is your best option for getting the most income from your deposits while having convenient access to your funds.

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

CapStar Bank features a savings rate of 0.05%, which is poor in comparison to other U.S. banks. Its CD rates are 0.20% and 0.90% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account has an APY of 0.20%. Given CapStar Bank's below average savings rate, you should consider opting for higher earning savings accounts with other banks.

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 typically extremely low fees in comparison to the average U.S. bank. CapStar Bank's checking account has no monthly fee, making it excellent for anyone looking for a simple account. For those who will need cash in a pinch, it is ideal because it charges no out-of-network ATM fees. CapStar Bank refunds any incurred out-of-network ATM fees, making getting cash a free and easy process.

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 branches in Tennessee. With mobile and web apps, CapStar Bank makes account access easy, even on the go. You can utilize CapStar Bank's app to manage your bank accounts by checking account balances, sending and receiving funds as well as reaching customer service. CapStar Bank gets an excellent consumer satisfaction rating due to comparatively few complaints brought to the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

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 ranks as a medium-size bank owning assets totaling $1 billion as well as $1 billion in deposits. It has an excellent Texas Ratio of 1.85%, indicating a minute probability of 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 like 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 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. CapStar Bank's CD rates are fair compared to other U.S. banks.

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Find a CapStar Bank Near Me

CapStar Bank has five branches in the U.S.

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