Texas Capital Bank Interest Rates and Annual Percentage Yields (APY)
Rates effective: Tuesday, May 20, 2025
Texas Capital Bank Deposit Rates - Personal Banking
| Product Name | balance TIERS | Interest rate | apy |
|---|---|---|---|
| Star Checking | Non-interest Bearing | N/A | N/A |
| Star Plus Checking | All Balances | 0.10% | 0.10% |
| Star Money Market Account $500 Minimum to obtain APY disclosed | $500 - $24,999.99 $25,000 - $99,999.99 $100,000 - $249,999.99 $250,000 - $499,999.99 $500,000 - $999,999.99 $1,000,000 - $2,999,999.99 $3,000,000 - $24,999,999.99 $25,000,000 or more | 2.50% 2.50% 2.50% 2.50% 3.20% 3.20% 3.20% 3.30% | 2.54% 2.54% 2.54% 2.54% 3.25% 3.25% 3.25% 3.36% |
| Star High Yield Savings Account Only available in Texas | $0.01 - $1,000,000 $1,000,000.01 or more | 4.02% 2.10% | 4.10% 2.12% |
| Star Savings | All Balances | 2.10% | 2.12% |
| Shooting Star Savings | All Balances | 2.10% | 2.12% |
Rates on all checking, savings and money market account types are for personal accounts only and are subject to change at any time without notice. Interest on checking and money market accounts is compounded daily on the collected balance and paid monthly. Interest on savings accounts is compounded daily on the collected balance and paid quarterly. Fees may reduce earnings on accounts.
All Annual Percentage Yields (APYs) and Interest Rates shown are offered on accounts accepted by Texas Capital Bank and effective per the date shown above, unless otherwise noted. APYs represent the yield on a 365-day basis including the effect of compounding and interest reinvestment. Fees may reduce earnings on accounts.
The Star High-Yield Savings Account is limited to individuals with a Texas residential address. Individuals who do not have a Texas residential address will be offered our Star Savings Account product. Your daily balance up to and including $1,000,000 will earn the disclosed annual percentage yield (APY). Any portion of your daily balance greater than $1,000,000.00 will earn an annual percentage yield (APY) of 2.12%. Rates are subject to change at any time.
Star Certificates of Deposit (CDs) Rates
$1,000 Minimum to Open Account
| deposit term | interest rate | APY |
|---|---|---|
| 30 Days 90 Days 180 Days 12 Months 18 Months 24 Months | 1.00% 4.17% 3.97% 4.02% 3.82% 3.68% | 1.00% 4.25% 4.05% 4.10% 3.90% 3.75% |
CDs are available for personal accounts only. Interest is calculated and accrued daily based on the daily balance in the account and paid monthly. The interest rate and annual percentage yield (APY) is a fixed rate. We will pay this rate and APY through your maturity date. The annual percentage yield (APY) assumes that interest remains on deposit until maturity. No minimum balance requirement to obtain the annual percentage yield. $1,000 minimum deposit to open the account. Early withdrawals are subject to an early withdrawal penalty.
All Annual Percentage Yields (APYs) and Interest Rates shown are offered on accounts accepted by Texas Capital Bank and effective per the date shown above, unless otherwise noted. APYs represent the yield on a 365-day basis including the effect of compounding and interest reinvestment. Fees may reduce earnings on accounts.
Texas Capital Bank Deposit Rates - Private Bank
| Product name | balance tiers | interest rate | Apy |
|---|---|---|---|
| Star Reserve Checking | All Balances | 0.20% | 0.20% |
| Family Office Star Reserve Checking | All Balances | 0.20% | 0.20% |
| Family Office Star Money Market $500 Minimum to obtain APY disclosed | $500 - $24,999.99 $25,000 - $99,999.99 $100,000 - $249,999.99 $250,000 - $499,999.99 $500,000 - $999,999.99 $1,000,000 - $2,999,999.99 $3,000,000 - $24,999,999.99 $25,000,000 or more | 2.50% 2.50% 2.50% 2.50% 3.20% 3.20% 3.20% 3.30% | 2.54% 2.54% 2.54% 2.54% 3.25% 3.25% 3.25% 3.36% |
| Star Money Market Account $500 Minimum to obtain APY disclosed | $500 - $24,999.99 $25,000 - $99,999.99 $100,000 - $249,999.99 $250,000 - $499,999.99 $500,000 - $999,999.99 $1,000,000 - $2,999,999.99 $3,000,000 - $24,999,999.99 $25,000,000 or more | 2.50% 2.50% 2.50% 2.50% 3.20% 3.20% 3.20% 3.30% | 2.54% 2.54% 2.54% 2.54% 3.25% 3.25% 3.25% 3.36% |
| Star High Yield Savings Account Only available in Texas | $0.01 - $1,000,000 $1,000,000.01 or more | 4.02% 2.10% | 4.10% 2.12% |
| Star Savings | All Balances | 2.10% | 2.12% |
| Shooting Star Savings | All Balances | 2.10% | 2.12% |
Rates on all checking and money market account types are subject to change at any time without notice. Interest on checking and money market accounts is compounded daily on the collected balance and paid monthly.
All Annual Percentage Yields (APYs) and Interest Rates shown are offered on accounts accepted by Texas Capital Bank and effective per the date shown above, unless otherwise noted. APYs represent the yield on a 365-day basis including the effect of compounding and interest reinvestment. Fees may reduce earnings on accounts.
The Star High-Yield Savings Account is limited to individuals with a Texas residential address. Individuals who do not have a Texas residential address will be offered our Star Savings Account product. Your daily balance up to and including $1,000,000 will earn the disclosed annual percentage yield (APY). Any portion of your daily balance greater than $1,000,000.00 will earn an annual percentage yield (APY) of 2.12%. Rates are subject to change at any time.
Star Certificates of Deposit (CDs) Rates
$1,000 Minimum to Open Account
| deposit term | interest rate | APY |
|---|---|---|
| 30 Days 90 Days 180 Days 12 Months 18 Months 24 Months | 1.00% 4.17% 3.97% 4.02% 3.82% 3.68% | 1.00% 4.25% 4.05% 4.10% 3.90% 3.75% |
CDs are available for personal accounts only. Interest is calculated and accrued daily based on the daily balance in the account and paid monthly. The interest rate and annual percentage yield (APY) is a fixed rate. We will pay this rate and APY through your maturity date. The annual percentage yield (APY) assumes that interest remains on deposit until maturity. No minimum balance requirement to obtain the annual percentage yield. $1,000 minimum deposit to open the account. Early withdrawals are subject to an early withdrawal penalty.
All Annual Percentage Yields (APYs) and Interest Rates shown are offered on accounts accepted by Texas Capital Bank and effective per the date shown above, unless otherwise noted. APYs represent the yield on a 365-day basis including the effect of compounding and interest reinvestment. Fees may reduce earnings on accounts.
Texas Capital Bank Deposit Rates - Small Business
| Product Name | balance TIERS | Interest rate | apy |
|---|---|---|---|
| Small Business Checking | Non-Interest-Bearing | None | None |
| Elite Business Checking | All Balances | 0.25% | 0.25% |
| Business Money Market $500 Minimum to accrue interest | $500 - $249,999.99 $250,000 - $749,999.99 $750,000 - $999,999.99 $1,000,000 or more | 2.00% 2.15% 2.75% 2.90% | 2.02% 2.17% 2.79% 2.94% |
| Edge Business Savings | All Balances | 1.00% | 1.00% |
Rates on all checking, savings and money market account types are subject to change at any time without notice. Interest on checking and money market accounts is compounded daily on the collected balance and paid monthly. For savings accounts, interest is compounded daily on the collected balance and paid quarterly. Fees may reduce earnings on accounts.
All Annual Percentage Yields (APYs) and Interest Rates shown are offered on accounts accepted by Texas Capital Bank and effective per the dates shown above, unless otherwise noted. APYs represent the yield on a 365-day basis including the effect of compounding and interest reinvestment.
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