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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 and is headquartered in Gonzales, Texas. It owns assets of $390 million as well as $347 million in deposits, making it 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 traditional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. On the whole, Sage Capital Bank is an exceptional bank that would be a perfect pick, with a score of 4.5 out of 5 stars from our experts. Sage Capital Bank provides customers with the complete selection of product offerings, including savings accounts, checking accounts, money market accounts, CDs, IRAs and mortgage products. It has a fair savings rate; other popular banks have higher rates. If you're looking for a checking account for everyday use, Sage Capital Bank offers an option without a monthly fee. Obtaining a checking account with no monthly fee and a savings account with a high APY at the same institution is your best option for returning the most income on your deposits while having 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

Sage Capital Bank has a savings rate of 0.30%, which is poor in comparison to the national average. Sage Capital Bank's CD rates are 1.21% and 1.46% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account earns at a rate of 0.50%. Given Sage Capital Bank's poor savings rate, you should consider other options to earn more on your deposits.

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

On average, Sage Capital Bank charges customers extremely low fees in comparison to the national average. Sage Capital Bank's checking account has no monthly fee, which makes it excellent for anyone looking for a hassle-free account. Sage Capital Bank unfortunately doesn't reimburse out-of-network ATM charges, meaning you'll be required to locate a Sage Capital Bank ATM or pay the ATM charge.

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. It also offers access to mobile and web apps for an easy mobile-banking experience. Sage Capital Bank's online and mobile banking services get reasonably high ratings from customers. The Sage Capital Bank mobile app scored a 4.4 out of 5 (with 12 customer reviews on Apple and Android) compared to the national average of 3.8. Sage Capital Bank's mobile app allows you to control your accounts by reviewing current statements, transferring funds and accessing support representatives. Sage Capital Bank receives an excellent consumer satisfaction rating due to comparatively few complaints registered with the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

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 is a small bank with $390 million in assets as well as deposits totaling $347 million. Sage Capital Bank's Texas Ratio is 2.01%, suggesting that Sage Capital 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: 1.21% APY
  • 24 Month: 1.31% APY
  • 36 Month: 1.36% APY
  • 48 Month: 1.41% APY
  • 60 Month: 1.46% APY
$500 for all terms
Money Market Account 0.4% APY $10000

Sage Capital 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. Sage Capital 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. Sage Capital Bank's CD rates are fair in comparison to other U.S. banks.

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Find a Sage Capital Bank Near Me

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

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