Personal Banking Interest Rates and Annual Percentage Yields (APY)
Rates effective: Tuesday, August 16, 2022
Texas Capital Bank Deposit Rates
| Product Name | balance requirements | Interest rate | apy |
|---|---|---|---|
Capital Interest Checking | All Balances | 0.10% | 0.10% |
Money Market Account $500 Minimum to accrue interest | $500 - $9,999.99 $10,000 - $24,999.99 $25,000 - $99,999.99 $100,000 - $499,999.99 $500,000 - $999,999.99 $1,000,000 or more | 0.70% 0.70% 0.80% 0.85% 0.90% 1.10% | 0.71% 0.71% 0.81% 0.87% 0.92% 1.12% |
| Consumer Savings | All Balances | 0.20% | 0.20% |
| Savings-Minor | All Balances | 0.20% | 0.20% |
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. For savings accounts, interest is compounded daily on the collected balance and paid quarterly. $100 minimum opening deposit for Capital Interest Checking, Money Market, and Personal Savings accounts. Savings-Minor account has a $25 minimum opening deposit. Fees may reduce earnings on accounts.
Certificates of Deposit (CDs) Rates
$1,000 Minimum to Open Account
| deposit term | interest rate | APY |
|---|---|---|
| 90 Days 180 Days 12 Months 18 Months 24 Months |
0.90% 1.25% 2.00% 1.80% 2.10% |
0.90% 1.26% 2.02% 1.82% 2.12% |
Interest for CD’s are calculated and accrued daily based on the daily balance in the account. CD’s have fixed terms and rates; penalty may be incurred if funds are withdrawn prior to maturity.
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. APYs on term deposits assumes reinvestment of principal and interest at maturity, fees may reduce earnings on accounts.
Premier Relationship Banking
Maintain a combined deposit balance of $25,000 across all related Premier Checking, Premier Money Market and/or Premier Certificate of Deposit accounts to maintain eligibility for Premier Relationship Banking.
| Product name | balance requirements | interest rate | Apy |
|---|---|---|---|
| Premier Checking | All Balances | 0.15% | 0.15% |
Premier Money Market |
$500 - $24,999.99 $25,000 - $99,999.99 $100,000 - $999,999.99 $1,000,000 or more |
0.80% 0.85% 0.95% 1.20% |
0.81% 0.87% 0.97% 1.22% |
Rates on all checking 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. $100 minimum opening deposit for Premier Checking and Premier Money Market accounts. Fees may reduce earnings on accounts.
Premier Certificates of Deposit (CDs) Rates
$1,000 Minimum to Open Account
| deposit term | interest rate | apy |
|---|---|---|
| 90 Days 180 Days 12 Months 18 Months 24 Months |
1.00% 1.35% 2.10% 1.90% 2.15% |
1.00% 1.36% 2.12% 1.92% 2.17% |
Premier CDs are available for consumers only. Interest is calculated and accrued daily based on the daily balance in the account. Fixed Terms and Rates, penalty may be incurred if funds are withdrawn prior to maturity.
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. APYs on term deposits assumes reinvestment of principal and interest at maturity, fees may reduce earnings on accounts.
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