Frost Bank’s CD schedule lists APYs effective October 25, 2026, from 2.60% (2 years) to 3.35% (90 days) on balances of $1,000 to $99,999, and higher tiers at $100,000 and over. Frost’s page also advertises 4.00% APY on 90-day jumbo CDs of $500,000 and over. Frost says the rate and APY may change at any time at its discretion.
Frost CD rates (effective October 25, 2026)
| Balance and term | APY |
|---|---|
| $1,000 - $99,999 / 90 days | 3.35% |
| $1,000 - $99,999 / 180 days | 3.20% |
| $1,000 - $99,999 / 1 year | 2.90% |
| $1,000 - $99,999 / 2 years | 2.60% |
| $100,000 and over / 14 days | 1.25% |
| $100,000 and over / 30 days | 1.30% |
| $100,000 and over / 60 days | 1.40% |
| $100,000 and over / 90 days | 3.70% |
| $100,000 and over / 180 days | 3.60% |
| $100,000 and over / 1 year | 3.35% |
| $100,000 and over / 2 years | 3.10% |
| $500,000 and over / 90 days (jumbo, per Frost’s page) | 4.00% |
How much can you earn?
On a $10,000 deposit held for one year at Frost’s 2.90% APY, interest is about $290. At the FDIC’s national average 12-month CD rate (1.76% in the update dated October 19, 2026), the same deposit would earn about $176. This is simple APY arithmetic, not a Frost quote, and Frost’s rate can change.
Early withdrawal penalties
| CD term | Penalty |
|---|---|
| Less than 30 days | The interest the withdrawn portion has earned, but no less than 7 days of interest |
| 30 days to one year | 30 days of interest |
| More than one year | 90 days of interest |
Frost says the penalty may include a deduction from the principal.
Frost vs. online banks
Frost’s 1-year rate (2.90%) can be compared with the online-bank rates below.
| Bank | 12-month APY | Min. Deposit | Rate as of |
|---|---|---|---|
| Marcus by Goldman Sachs | 4.40% | $500 | October 15, 2026 |
| Popular Direct | 4.50% | $10,000 | October 5, 2026 |
For Texas residents, Frost’s branch presence is its main advantage over online banks. Frost says its CDs can be used to waive monthly service charges on a Frost consumer checking account and can be held in Traditional and Roth IRAs.
CD renewal at Frost
Frost CDs renew automatically at maturity. You have 10 calendar days from the maturity date to withdraw your funds without being charged a penalty. Set a reminder before maturity to compare Frost’s renewal rate with current offers elsewhere.
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