What is the current Frost Bank CD rate?

Frost Bank's CD rates vary by term and balance, and the bank periodically runs promotional CD specials — particularly around year-end — on select terms. Rates change frequently. Verify the current rate directly at frostbank.com or at a local branch before opening an account — do not rely on a previously seen rate.

What is the minimum deposit for a Frost Bank CD?

Frost Bank has historically required a minimum deposit around $1,000 to open a standard CD. Some terms or specialty products may have different minimums. Confirm the current minimum directly with Frost before opening.

What is the early withdrawal penalty on Frost Bank CDs?

Frost Bank's early withdrawal penalties have typically been around 90 days of interest for CDs with terms of 12 months or less, and around 180 days of interest for longer terms. Confirm the exact current penalty schedule for your specific term at account opening, since it can change.

Does Frost Bank operate outside of Texas?

No. Frost Bank operates exclusively within Texas, with branches concentrated in major Texas markets including San Antonio, Austin, Dallas, Houston, and Fort Worth. If you are outside Texas, you cannot open a Frost Bank account in person, and Frost's online account options are generally limited to Texas residents. Texas residents seeking the best CD rates should also compare Frost against online banks available nationwide.

Frost Bank CD Rates 2026 — Terms, APYs, and How They Compare

Frost Bank’s CD rates vary by term, balance, and whether a promotional special is currently running — the bank has periodically offered promotional CD rates, particularly around year-end, on select terms. Frost is a Texas-only regional bank with strong brand loyalty in its home market. Figures below were not independently re-verified as of this update — confirm current rates directly at frostbank.com or at a local branch before opening a CD.

Rates shown change frequently. Verify the current rate at frostbank.com before opening an account.

How Frost CD Pricing Typically Works

Tier	General Pattern
Standard CDs	Base rates, available on most standard terms
Promotional CDs	Higher rates offered periodically, often around year-end, on select terms

Frost does not publish one fixed nationwide rate that stays constant — actual APYs vary by term, balance tier, and whether a promotion is currently running. Confirm current rates directly at frostbank.com or by visiting a local branch before opening a CD.

How Much Can You Earn? (Illustrative Only)

On a $10,000 deposit at an illustrative 12-month rate of 3.25% APY:

After 12 months: ~$10,325 ($325 in interest)

This figure is illustrative only and is not a confirmed current Frost rate. Confirm the actual rate offered on your specific CD before calculating expected earnings, and compare against current online-bank CD rates before deciding.

Early Withdrawal Penalties

Term	Typical Penalty (confirm current terms)
12 months or less	~90 days of interest
More than 12 months	~180 days of interest

Confirm your CD’s exact penalty terms at account opening — this schedule can change.

Frost vs. Online Banks (Texas Residents)

For Texas residents, Frost’s branch presence is its primary competitive advantage over online banks. If you regularly use Frost for checking, depositing cash, or in-person service, keeping CDs at Frost simplifies your banking. If you’re willing to manage savings online and transfer funds via ACH, compare current online bank CD rates before deciding — they have historically outpaced Frost’s standard rates, though the gap varies over time.

Before choosing between a Frost CD and an online bank CD, compare each bank’s currently advertised rate, minimum deposit, and penalty terms directly on their own sites.

Frost’s Relationship Banking Advantage

Frost is well-regarded for personal service in Texas. Long-time customers may benefit from relationship-based rate discussions — particularly for larger CD balances. If you hold a significant balance and have an established Frost relationship, it’s worth asking a branch banker whether relationship pricing is currently available.

CD Renewal at Frost

Frost CDs typically renew automatically at maturity at the then-current rate for the same term. Confirm the current grace period directly with Frost, since it can change. Set a calendar reminder before maturity to compare Frost’s renewal rate against current online bank offers.

Who Should Open a Frost Bank CD?

Best for:

Texas residents who bank primarily with Frost and want to keep savings consolidated
Savers who prefer in-person service and branch access in Texas markets
Customers who value the personal relationship over chasing the highest rate

Consider alternatives if:

Maximizing yield is your primary concern (compare current online bank rates)
You’re outside Texas (Frost is not available)
You want no minimum deposit or a no-penalty CD option

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy