Personal CDs

A safe, reliable way to build a stronger financial future, a Frost CD allows you to invest a fixed amount of money for a specific amount of time and receive a fixed amount of interest in return. Frost CDs:

  • are backed by the security of Frost and FDIC insured up to $250,000
  • are viewable online and through Frost Mobile Banking (if you have a Frost checking account)
  • may be used to waive monthly service charges for a Frost Checking account​​ ​

Compare to other accounts

View our CD Schedule of Fees

Minimum Balances & Interest Rates
Balance Annual Percentage Yield (APY)
$1,000 - $99,999 / 90 days 0.06%
$1,000 - $99,999 / 180 days 0.06%
$1,000 - $99,999 / 1 year 0.10%
$1,000 - $99,999 / 18 mos 0.25%
$1,000 - $99,999 / 2 years 0.25%
$100,000 and over / 14 days 0.03%
$100,000 and over / 30 days 0.03%
$100,000 and over / 60 days 0.03%
$100,000 and over / 90 days 0.06%
$100,000 and over / 180 days 0.06%
$100,000 and over / 1 year 0.10%
$100,000 and over / 18 mos 0.30%
$100,000 and over / 2 years 0.30%
Annual Percentage Yield effective as of 07/22/2017. Fees could reduce the earnings on the account. Penalty may be imposed for early withdrawal.
Opening Your Account in a Financial Center or by Phone

If you would like to open your account in a financial center or by phone, we'd be happy to assist you. Call (866) 376-7889 or stop by your local Frost financial center and bring:

  • government issued photo ID such as driver's license, state ID, or U.S. Military ID
  • your Social Security Number
  • minimum $1000 opening deposit