Personal Lines of Credit

If you’d like flexible access to cash or to borrow a smaller amount, consider the versatility of a Frost Personal Line of Credit.

  • Competitive variable interest rates
  • Can be unsecured or secured by a Frost CD, Money Market or Savings account, stocks, bonds, brokerage, annuities, or trust accounts
  • Can be used for anything you choose, including overdraft protection for your checking account
Amount/Term Annual Percentage Rate (APR)
$2,000 - $9,999 / 2 Years WSJ Prime + 5 (APR)
$10,000 - $24,999 / 2 Years WSJ Prime + 3 (APR)
$25,000 - $49,999 / 2 Years WSJ Prime + 2 (APR)
$50,000 - $249,999 / 2 Years WSJ Prime + 1 (APR)
$250,000 or greater / 1-2 Years WSJ Prime + 0 (APR)
  • No annual fees
  • No pre-payment penalties
  • No origination fees

It’s easy to apply for a Frost Personal Line of Credit.
It takes about 15 minutes and you’ll receive an answer in approximately two to four hours during normal business hours.

To apply, call a Frost Banker at (866) 376-7889 or visit your local Frost financial center. Just bring:

  • Your government issued photo ID such as a driver's license, state ID or U.S. Military ID
  • Your Social Security number

Wall Street Journal (WSJ) Prime rate 3.25%. Wall Street Journal Prime effective as of 10/23/2021.

Annual Percentage Rate is variable and effective as of 10/23/2021. The rate is subject to change daily and without notice.

Payment Example: For a loan of $5,000 that is fully drawn to $5,000 with a rate of WSJ Prime (3.25%) + 5 = current rate of 8.25%, the minimum monthly payment is equal to the Greater of $20 or 2% of the outstanding balance. The current minimum monthly payment for this example would be $100.†

  • Access money when you need it
  • Advance and make payments online, by phone, or in person at a Frost financial center
  • Two years