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CapStar Bank Rates & Review May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: May 21, 2026

CapStar Bank's 4-month CD Options rates are at 4.00%. CapStar Bank's money market rates are at 3.25%. 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 05/21/2026.

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
Member FDIC

CapStar Bank CD Rates

Product Rate APY Term View More
4-month CD Options - 4.00% 4-month
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.
Last Updated 05/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.98%

CapStar Bank Money Market Rates

Product Rate APY View More
Money Market - 3.25%
Min Deposit $20,000
Details Earn a competitive rate when you open a Market Monitor account with a minimum $20,000 in new money.
Last Updated 05/21/2026
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 HELOC 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%. After the introductory period ends, variable APR during the draw period may be as low as 6.35% APR.
Last Updated 05/21/2026
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.
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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 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.
Log in to reply Are you from CapStar Bank and want to reply to a review? Log in or register and verify yourself to reply as a representative from CapStar Bank.
Want to discuss CapStar Bank with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Average Rating
★★★★★
Total Reviews
1
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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.

Current CapStar Bank Rates

  • MMA3.25%
Retrieved from our database of financial products. Rates subject to change.

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