Bank · FDIC insured
Frost Bank CD Rates
Frost Bank’s best CD rate is 4.00% APY on a 3-month CD. Terms run from 1 month to 2 years. Rates checked October 16, 2026.
How Frost Bank’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where Frost Bank has the most branches. $10,000, best rate first.
This bank’s best
Frost Bank
3.30%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $81
Frost Certificate of Deposit Account
Top rate
National Police FCU
4.71%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,481
2nd-highest rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
Frost Bank CD score
66
CD score
Higher than 16% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo2.90%
- 16–30 months16–30 mo2.60%
- QualifiedQualified3.30%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Frost Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Frost Certificate of Deposit Account
Up to 3.30%APY · 7 terms
Fixed amount of interest in return. Account automatically renews at maturity with 10 calendar days grace period to withdraw funds without penalty. Penalty may be imposed for early withdrawal. Balance may be used to waive monthly service charges for a Frost consumer checking account (Frost Personal Account, Frost Plus Account, or Frost Premium Account).
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY · $500,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 0 months14 Day CD. Minimum deposit $100,000. Penalty may be imposed for early withdrawal | — | 1.25% | — | —1.25% from $100k | — |
| 1 month30 Day CD. Minimum deposit $100,000. Penalty may be imposed for early withdrawal | — | 1.30% | — | —1.30% from $100k | — |
| 2 months60 Day CD. Minimum deposit $100,000. Penalty may be imposed for early withdrawal | — | 1.40% | — | —1.40% from $100k | — |
| 3 months90 Day CD. Minimum deposit $1,000. Penalty may be imposed for early withdrawal | 3.30% | — | — | 3.30% | $81 |
| 3 months90 Day Jumbo CD. Minimum deposit $100,000. Penalty may be imposed for early withdrawal | — | 3.65% | — | —3.65% from $100k | — |
| 3 months90 Day Jumbo CD. Minimum deposit $500,000. Visit a Frost financial center for CDs of $500,000 and over. Interest rate and APY may change at any time at bank discretion. Penalty may be imposed for early withdrawal | — | — | 4.00% | —4.00% from $500k | — |
| 6 months180 Day CD. Minimum deposit $1,000. Penalty may be imposed for early withdrawal | 3.20% | — | — | 3.20% | $159 |
| 6 months180 Day Jumbo CD. Minimum deposit $100,000. Penalty may be imposed for early withdrawal | — | 3.60% | — | —3.60% from $100k | — |
| 12 months12 Month CD. Minimum deposit $1,000. Penalty may be imposed for early withdrawal | 2.90% | — | — | 2.90% | $290 |
| 12 months12 Month Jumbo CD. Minimum deposit $100,000. Penalty may be imposed for early withdrawal | — | 3.35% | — | —3.35% from $100k | — |
| 24 months24 Month CD. Minimum deposit $1,000. Penalty may be imposed for early withdrawal | 2.60% | — | — | 2.60% | $527 |
| 24 months24 Month Jumbo CD. Minimum deposit $100,000. Penalty may be imposed for early withdrawal | — | 3.10% | — | —3.10% from $100k | — |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Frost IRA CD
Up to 2.90%APY · 3 terms
May be used for Traditional and Roth IRAs. Penalty may be imposed for early withdrawal. Account will automatically renew at maturity with 10 calendar days grace period to withdraw without penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 Month Fixed IRA CD. Penalty may be imposed for early withdrawal | 2.90% | $290 |
| 18 months18 Month Variable IRA CD. Penalty may be imposed for early withdrawal | 0.90% | $135 |
| 24 months24 Month Fixed IRA CD. Penalty may be imposed for early withdrawal | 2.60% | $527 |
Sources (1)
- frostbank.com/personal/banking…s/certificate-of-deposit · captured Oct 6, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.