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Sage Capital Bank Review

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Sage Capital Bank Savings
0.30% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Sage Capital Bank was founded in 1984 with headquarters in Gonzales, Texas. It owns assets of $390 million along with deposits totaling $347 million, ranking it as a small bank. Sage Capital 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 access to service representatives at a physical location, in addition to its online and mobile offerings. SmartAsset experts rated the bank 4.5 stars out of 5, indicating that Sage Capital Bank is an exceptional bank that you should strongly consider. Sage Capital Bank has a varied choice of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs and mortgage products. It has a fair savings rate; you can find higher rates with other banks. If you're interested in stress-free personal checking, the bank's standard checking does not have a monthly maintenance charge. Obtaining a checking account with no monthly fee, in addition to a savings account with a high interest rate at the same bank is the best bet for gaining the most income from your deposits while maintaining convenient access to your money.

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

With a savings rate of 0.30%, Sage Capital Bank ranks poorly in comparison to other U.S. banks. Sage Capital Bank's one-year and five-year term lengths CDs earn at a rate of 1.11% and 1.36%, respectively, while its highest-yielding money market account has a rate of 0.50%. Given Sage Capital Bank's poor savings rate, you should consider taking a look at other banks for savings accounts.

How Sage Capital Bank's Savings Rates Compare

Sage Capital Bank Savings 0.30 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Sage Capital Bank generally has extremely low fees as compared against the national average. Its checking account has no monthly fee, rating it excellent for anyone looking for a hassle-free account. Sage Capital Bank unfortunately doesn't refund out-of-network ATM charges, which means you'll have to find a Sage Capital Bank ATM or accept the withdrawal 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

Sage Capital Bank is a brick-and-mortar bank, with seven total branches in Texas. With mobile and web apps, Sage Capital Bank makes account access convenient, even on the go. Sage Capital Bank receives relatively high marks from customers for its mobile app. Out of 12 ratings across Apple and Android platforms, the Sage Capital Bank mobile app has an overall rating of 4.4 out of 5 (compared to the national average of 3.8). You can access Sage Capital Bank's mobile app to manage your bank accounts by monitoring current statements, transferring funds and accessing customer service. Sage Capital Bank receives an exceptional consumer satisfaction rating due to relatively few consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating 4.4/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Sage Capital Bank ranks as a small bank with $390 million in assets as well as deposits totaling $347 million. Sage Capital Bank has an excellent Texas Ratio of 2.01%, indicating that the bank is in outstanding financial well-being and far from failure. Additionally, Sage Capital 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 Sage Capital Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.3% APY $100
Checking Account 0.1% APY $1000
Certificates of Deposit
  • 12 Month: 1.11% APY
  • 24 Month: 1.21% APY
  • 36 Month: 1.26% APY
  • 48 Month: 1.31% APY
  • 60 Month: 1.36% APY
$500 for all terms
Money Market Account 0.4% APY $10000

Sage Capital 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. Sage Capital 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. Sage Capital Bank's CD rates are fair compared to the average U.S. bank.

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Find a Sage Capital Bank Near Me

Sage Capital Bank has seven physical branches in the U.S.

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