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CapStar Bank Rates & Review June 2026

Item: CapStar Bank
Rating: 5
Author: Gary B.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 16, 2026

CapStar Bank's 4-Months 4-month CD rates are at 4.00%, 4-month certificate of deposit rates are at 4.00%. MonitorBankRates evaluates the financial stability of CapStar Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.98%. Rates were last updated on 06/16/2026.

CapStar Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CapStar Bank? Share your experience about CapStar Bank by leaving a review below, or read customer reviews before you decide to use CapStar Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.98%

Excellent Lower than avg

CapStar Bank

1201 Demonbreun St
Nashville, TN 37203

CapStar Bank CD Rates

Product	Rate	APY	Term
4-month CD	-	4.00%	4 months
Min Deposit $500 Details Visit a banking center and open a 4-month CD with a minimum deposit of $500 to earn 4.00% APY.3 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%
4-month certificate of deposit	-	4.00%	4-month
Min Deposit $500 Details Rates, terms, and conditions accurate as of May 15, 2026, and are subject to change. Advertised interest rate of 3.93% (4.00% Annual Percentage Yield (APY)) is for a new 4-month certificate of deposit (CD) with balances of $500 or more. CD rates are fixed upon opening the account. APYs assume money stays on deposit until CD maturity date. An early withdrawal penalty may be assessed and may decrease earnings. If you close the account before interest is credited, you will not receive the accrued interest. Upon maturity the CD will automatically renew for a successive term based on the term, minimum balance, and other features of the 3-month certificate of deposit available at that time. Due to market conditions, there may be times when there is little to no difference in the interest rate and Annual Percentage Yield (APY) earned in each tier. ONB may change the interest rate and APY based on account balances at our sole discretion. For more information regarding interest rates and APYs in effect at the time of CD renewal, please contact your local banker. Public funds, institutional funds and brokered CDs are not eligible for advertised APYs. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%

CapStar Bank Checking Rates

Product	Rate	APY	View More
ONB Preferred Checking	-	0.01%
Details ONB Preferred Checking is an interest-bearing account, the interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account periodically. Interest begins to accrue no later than the business day we receive credit (collected funds) for the deposit of noncash items (for example checks). If the account is closed before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the Collected Balance in the account each day. The current Annual Percentage Yield [APY] for ONB Preferred Checking accounts accurate as of 2/1/2025 is 0.01% on account balances in all balance tiers. Fees may reduce earnings on this account. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%

CapStar Bank Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity HELOC	-	-	4.85%
Details Introductory Rate Discount of 1.50%. For the first 6 billing cycles, variable APR during the draw period may be as low as 4.85%.4 After the introductory period ends, variable APR during the draw period may be as low as 6.35% APR.4 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.98%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for CapStar Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather CapStar Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with CapStar Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name CapStar Bank

Bank Holding Company CAPSTAR FINANCIAL HOLDINGS INC

Address 1201 Demonbreun St, Nashville, TN 37203 · Davidson

Website https://www.capstarbank.com

FDIC Certificate # 58823

Established 07/14/2008

FDIC Insurance Date 07/14/2008

Domestic Offices 23

Total Branches 0

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.98%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0251%

Return on Equity (ROE) 8.9100%

Non-Performing Loans (NPL) 0.24%

Total Assets $3,040,033,000

Total Deposits $2,563,113,000

Equity Capital $372,628,000

Net Income $-4,469,000

Headquarters Nashville

Total Branches and Offices 23

Source: FDIC | Last Updated 03/31/2024

Customer Reviews

Gary B.

★★★★★

October 16, 2023

Opened a certificate of deposit without any issues, staff was nice and pleasant.

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Average Rating

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Total Reviews

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Frequently Asked Questions About CapStar Bank

How many branches does CapStar Bank operate?

CapStar Bank currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, CapStar Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, CapStar Bank provides members with tools to manage their accounts and build a solid financial history.

Does CapStar Bank offer online and mobile banking?

Most modern institutions like CapStar Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.capstarbank.com.