Frost Bank CD Rates for 2025
Written by
Sarah Sharkey
Edited by
Elizabeth Constantineau
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Frost Bank offers regular, jumbo and IRA CDs. Here’s a breakdown of all of the CD options available through Frost Bank.
Regular and Jumbo CDs
Frost Bank offers regular and jumbo CDs in a variety of terms. Rates vary based on your account balance.
| Term | $1,000 – $99,999.99 | $100,000 – $499,999.99 | $500,000 and over |
|---|---|---|---|
| 14 Days | N/A | N/A | |
| 30 Days | N/A | N/A | |
| 60 Days | N/A | N/A | |
| 90 Days | |||
| 180 Days | N/A | ||
| 12 Months | N/A | ||
| 24 Months | N/A |
IRA CDs
Frost also offers CDs specifically for IRA accounts, including an 18-month variable interest rate IRA CD.
| Term | APY | Fixed or Variable |
|---|---|---|
| 12 Month | Fixed | |
| 18 Month | Variable | |
| 24 Month | Fixed |
The variable rate CD interest rates can change during the 18-month term, depending on the prime rate or other factors.
Frost Bank CD Terms and Requirements
Frost Bank offers CDs with terms ranging from 14 days to 24 months. Here are some key details to keep in mind.
Minimum Deposit Requirements
- $1,000 minimum for CDs with terms of 90 days, 180 days, 12 months and 24 months.
- $100,000 minimum for short-term CDs with terms of 14 days, 30 days and 60 days.
- $500,000 tier available only for the 90-day term.
Early Withdrawal Penalties
Early withdrawal penalties apply if you decide to take your funds out early. The size of your early withdrawal penalty varies based on the term of your CD.
| Term | Early Withdrawal Penalty |
|---|---|
| Less than 30 days | All interest earned but no less than 7 days of interest |
| 30 days to 12 months | 30 days of interest |
| More than 12 months | 90 days of interest |
Benefits of Choosing a Frost Bank CD
Certificates of deposit are bank deposits that offer a guaranteed interest rate for a specified period. In most cases, the interest rate is fixed, so you know exactly how much interest you will earn by the end of the term. You can select how long you want to keep the money on deposit, ranging from 14 days to 24 months at Frost Bank.
Here’s a look at some of the benefits of choosing a Frost Bank CD:
- Short-term CDs are available. The ability to tap into a short-term CD, with terms as short as 14 days, gives you ample flexibility in managing your funds.
- Competitive rates. Frost Bank offers competitive rates that can help you grow your savings over time.
- Daily compounding. Your funds will gain interest each day, even though your simple interest is typically paid at maturity.
- FDIC insurance. As an FDIC-insured bank, the funds you place in this CD are protected for up to $250,000 per account holder.
- Locked-in returns. For savers seeking guaranteed returns, the locked-in rate of a CD can help you avoid market fluctuations.
- Large network of physical branches. Frost Bank has over 200 financial centers across Texas, which can come in handy for in-person banking.
- Limited fees. These accounts come with very few fees.
Potential Drawbacks of Frost Bank CDs
As with all financial products, Frost Bank CDs have some potential drawbacks. Here are a few to know:
- Early withdrawal penalties. If you need to access your funds before the CD matures, you’ll be stuck paying early withdrawal penalties.
- Relatively high minimum deposit. You’ll need at least $1,000 available to open a CD with Frost Bank.
- Limited long-term options. The longest term available is 24 months, which isn’t especially long when compared to CD terms of three, four or five years.
- Missed opportunities. If you lock your funds into a CD, you miss the chance to invest those funds for the future.
Comparison of Frost Bank CD Rates with Competitors
Frost Bank isn’t the only financial institution offering CDs. Here’s how it stacks up against the competition:
Frost Bank vs. Wells Fargo
Generally, Frost Bank offers higher CD rates than Wells Fargo. The exception is that Wells Fargo offers promotional CDs of seven and 11-month terms with APYs up to .
Frost Bank vs. Capital One
Savers can often find higher CD rates available through Capital One. Additionally, Capital One doesn’t impose any minimum balance requirements. But the shortest term available for a Capital One CD is six month for .
Frost Bank vs. Chase
If you link a Chase personal checking account, you can earn APY on a 12-month CD, which is an attractive rate. However, Frost Bank offers higher rates.
Consider More Than Just CD Rates
While competitive CD rates are appealing, they’re just one piece of the puzzle. Keep in mind factors like account fees, customer support and banking convenience when choosing where to open your account.
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
Early withdrawal penalties will apply
Early withdrawal penalty may apply
No monthly service fee
APY
APY
APY
Up to
Up to
to
Min Opening
Min Opening
Min Opening
$1,000
$2,500 to $5,000
$0
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$3.50 waivable monthly fee
Up to $12 monthly service fee – can be waived
No monthly service fee
APY
APY
APY
Up to
Up to for Platinum Savings accounts
Min Opening
Min Opening
Min Opening
$50
$25
$0
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$8 to $30 monthly
$5 to $35 waivable monthly fee
No monthly service fee
APY
APY
APY
Up to
Up to
Min Opening
Min Opening
Min Opening
$25
$25
$0
How To Open a CD With Frost Bank
If you want to open a CD with Frost Bank, you can follow these steps:
- Visit the Frost Bank website and select “Open an Account.” You can also visit a physical branch to open a CD in person.
- Be prepared to supply the following:
- Social Security number
- Government-issued ID
- Phone number
- Address
- Date of birth
- Funding account details
- Fill out the required forms online or at a branch.
- Review and submit your application.
Good To Know
Frost Bank CDs automatically renew at the end of the term.
For example, suppose you opened a 12-month CD. At the end of 12 months, the amount of money, which includes the principal and the interest that has accrued, automatically rolls over into another 12-month CD at the then-current rate.
If you don’t want your CD to roll over, contact the bank before the end of the term and tell them so.
The Bottom Line
For most savers, CDs are a safe way to earn interest on money you won’t need for a certain period. The interest rate on CDs is often higher than that for a savings account that lets you take your money in and out at will. Before committing to a particular CD, shop around to find the most lucrative option for your situation.
FAQ
Here are the answers to some of the most frequently asked questions regarding Frost Bank CDs.- What is the minimum deposit for a Frost Bank CD?
- You'll need to make a minimum deposit of at least $1,000 in order to open a Frost Bank CD.
- What happens if I let my Frost Bank CD automatically renew?
- When your CD automatically renews at Frost Bank, you'll have 10 calendar days from the maturity date to withdraw your funds without a penalty.
- Are there any penalties for early withdrawal from a Frost Bank CD?
- Yes, early withdrawal penalties apply to Frost Bank CDs. The size of your early withdrawal penalty varies based on the term of your CD.
More on Frost Bank
Karen Doyle contributed to the reporting for this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of July 8, 2025.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
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