Bank · FDIC insured
Frost Bank Savings Rates
Frost Bank’s best savings rate is 0.90% APY on $10,000, with its Frost Money Market Account. Rates checked October 16, 2026.
How Frost Bank’s savings 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
0.90%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $90
Frost Money Market Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
Frost Bank savings score
69
Savings score
Higher than 25% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0002.15%
- QualifiedQualified0.15%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Frost Money Market Account
0.90%APY
$0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or if you own a Frost Premium Account; otherwise $15 monthly service charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000$0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account. | 0.90% | $90 | $0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account. |
| $25,000 – $50,000$0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account. | 1.00% | — | $0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account. |
| $50,000 – $100,000$0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account. | 1.15% | — | $0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account. |
| $100,000 – $250,000$0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account. | 2.15% | — | $0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account. |
| $250,000 – $1,000,000$0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account. | 2.30% | — | $0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account. |
| $1,000,000 – $2,500,000$0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account. | 2.35% | — | $0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account. |
| $2,500,000 – $10,000,000$0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account. | 2.50% | — | $0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account. |
| $10,000,000 – $20,000,000$0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account. | 2.65% | — | $0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account. |
| $20,000,000 and up$0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account. | 2.85% | — | $0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account. |
Sources (2)
- frostbank.com/personal/banking…ngs-options/money-market
- frostbank.com/main/agreements-…-in-savings/money-market
All captured Oct 6, 2026
Frost Savings Account
0.15%APY
Monthly service charge of $3.50 waived if you have a $100 minimum daily balance, monthly deposits totaling $10 or more, one account owner under age 25, or own a Frost Plus Account or Frost Premium Account. Allows two free withdrawals per month ($3 per additional withdrawal). Unlimited transfers to an account in your name at Frost.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000Monthly service charge of $3.50 waived with $100 minimum daily balance, monthly deposits totaling $10+, account owner under age 25, or Frost Plus/Frost Premium Account ownership. | 0.15% | $15 | Monthly service charge of $3.50 waived with $100 minimum daily balance, monthly deposits totaling $10+, account owner under age 25, or Frost Plus/Frost Premium Account ownership. |
| $15,000 and upMonthly service charge of $3.50 waived with $100 minimum daily balance, monthly deposits totaling $10+, account owner under age 25, or Frost Plus/Frost Premium Account ownership. | 0.25% | — | Monthly service charge of $3.50 waived with $100 minimum daily balance, monthly deposits totaling $10+, account owner under age 25, or Frost Plus/Frost Premium Account ownership. |
Sources (6)
- frostbank.com/agreements-discl…-savings/savings-account
- frostbank.com/personal/banking/savings-options
- frostbank.com/personal/banking…options/comparison-chart
- frostbank.com/personal/banking…-options/savings-account
- frostbank.com/savings-rates/printable-savings-rates
- frostbank.com/main/agreements-…-savings/savings-account
All captured Oct 6, 2026
Special-purpose accounts
Health Savings Account
0.02%APY
Must be covered under a high-deductible health plan, not covered by any other health plan, not entitled to Medicare, and not listed as a dependent on a tax return. Monthly service charge waived with a $3,000 minimum daily balance or if you own a Frost Premium Account. Three free check withdrawals per statement cycle ($5 each after that).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to entire collected balance. Monthly service fee of $5 waived with $3,000 minimum daily balance or Frost Premium Account.Any balance | 0.02% | $2 | Applies to entire collected balance. Monthly service fee of $5 waived with $3,000 minimum daily balance or Frost Premium Account. |
Sources (2)
- frostbank.com/agreements-discl…ersonal-hsa-account-fees
- frostbank.com/personal/banking…s/health-savings-account
All 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.