Personal Banking / Savings Account Options Savings accounts that always put your best interest first Start small or dream big with options designed to lift your balance — and your spirits. Whether you’re looking for a little simplicity or a larger return, it’s easy to save your way. Explore Savings Accounts Myles C. Customer since 2005 Higher rates you’ll really grow to love Especially if you love to grow your money. At Frost, we’re committed to higher rates. See just how they stack up to other banks. Money Market CDs Savings Frost Annual Percentage Yield (APY) Bank of America Annual Percentage Yield (APY) Chase Annual Percentage Yield (APY) Wells Fargo Annual Percentage Yield (APY) $0.00 - $24,999.99 1.25% 0.04% 0.02% 0.05% $25,000 - $49,999.99 1.25% 0.04% 0.02% 0.05% $50,000 - $99,999.99 1.30% 0.04% 0.02% 0.05% $100,000 - $249,999.99 1.40% 0.04% 0.02% 0.05% $250,000 - $999,999.99 1.57% 0.04% 0.02% 0.05% $1,000,000 - $2,499,999.99 2.35% 0.04% 0.02% 0.05% $2,500,000 - $9,999,999.99 2.50% 0.04% 0.02% 0.05% $10,000,000 - $19,999,999.99 2.65% 0.04% 0.02% 0.05% $20,000,000 and Over 2.85% 0.04% 0.02% 0.05% The interest rate and Annual Percentage Yield may change at any time at our discretion. Data for Frost Bank provided by Frost Bank. Frost Annual Percentage Yield effective as of 12/04/2025. Fees could reduce the earnings on the account. Data for Bank of America, Chase, and Wells Fargo provided by: Information effective 12/03/2025 Personal Money Market Account Schedule of Fees FROST Annual Percentage Yield (APY) BANK OF AMERICA Annual Percentage Yield (APY) CHASE Annual Percentage Yield (APY) WELLS FARGO Annual Percentage Yield (APY) $1,000 to $99,999.99 2.85% 90 Day 3.25% 90 Day 1.01% 90 Day 1.02% 90 Day 2.70% 180 Day 0.03% 180 Day 0.75% 180 Day 1.02% 180 Day 2.25% 12 Month 0.03% 12 Month 1.75% 12 Month 1.51% 12 Month 2.00% 24 Month 0.03% 24 Month 2.00% 24 Month 1.76% 24 Month $100,000 and over 1.45% 14 Day 0.03% 14 Day unavailable 14 Day not offered 14 Day 1.50% 30 Day 0.03% 30 Day 0.02% 30 Day not offered 30 Day 1.60% 60 Day 0.03% 60 Day 1.01% 60 Day not offered 60 Day 3.20% 90 Day 3.25% 90 Day 1.01% 90 Day 1.02% 90 Day 3.10% 180 Day 0.03% 180 Day 180 Day 1.02% 180 Day 2.70% 12 Month 0.03% 12 Month 1.75% 12 Month 1.51% 12 Month 2.50% 24 Month 0.03% 24 Month 2.00% 24 Month 2.27% 24 Month $500,000 and over 3.50%* 90 Day$500,000+ 3.25% 90 Day$500,000+ 1.01% 90 Day$500,000+ 1.02% 90 Day$500,000+ Data for Frost Bank provided by Frost Bank Frost Annual Percentage Yield effective as of 12/04/2025. Fees or withdrawals could reduce the earnings on the account. Penalty may be imposed for early withdrawal. Data for Bank of America, Chase, and Wells Fargo provided by: Information effective 12/03/2025 CD Schedule of Fees Frost Annual Percentage Yield (APY) Bank of America Annual Percentage Yield (APY) Chase Annual Percentage Yield (APY) Wells Fargo Annual Percentage Yield (APY) $0-14,999.99 0.10% 0.01% 0.01% 0.01% $15,000 and over 0.30% 0.01% 0.01% 0.01% Data for Frost Bank provided by Frost Bank Frost Annual Percentage Yield effective as of 12/04/2025. Fees or withdrawals could reduce the earnings on the account. Data for Bank of America, Chase, and Wells Fargo provided by: Information effective 12/03/2025 Savings Account Schedule of Fees FROST Annual Percentage Yield (APY) BANK OF AMERICA Annual Percentage Yield (APY) CHASE Annual Percentage Yield (APY) WELLS FARGO Annual Percentage Yield (APY) $1,000 to $99,999.99 2.85% 90 Day 3.25% 90 Day 1.01% 90 Day 1.02% 90 Day 2.70% 180 Day 0.03% 180 Day 0.75% 180 Day 1.02% 180 Day 2.25% 12 Month 0.03% 12 Month 1.75% 12 Month 1.51% 12 Month 2.00% 24 Month 0.03% 24 Month 2.00% 24 Month 1.76% 24 Month $100,000 and over 1.45% 14 Day 0.03% 14 Day unavailable 14 Day not offered 14 Day 1.50% 30 Day 0.03% 30 Day 0.02% 30 Day not offered 30 Day 1.60% 60 Day 0.03% 60 Day 1.01% 60 Day not offered 60 Day 3.20% 90 Day 3.25% 90 Day 1.01% 90 Day 1.02% 90 Day 3.10% 180 Day 0.03% 180 Day 180 Day 1.02% 180 Day 2.70% 12 Month 0.03% 12 Month 1.75% 12 Month 1.51% 12 Month 2.50% 24 Month 0.03% 24 Month 2.00% 24 Month 2.27% 24 Month $500,000 and over 3.50%* 90 Day$500,000+ 3.25% 90 Day$500,000+ 1.01% 90 Day$500,000+ 1.02% 90 Day$500,000+ Data for Frost Bank provided by Frost Bank Frost Annual Percentage Yield effective as of 12/04/2025. Fees or withdrawals could reduce the earnings on the account. Penalty may be imposed for early withdrawal. Data for Bank of America, Chase, and Wells Fargo provided by: Information effective 12/03/2025 CD Schedule of Fees Data for Frost Bank provided by Frost Bank Frost Annual Percentage Yield effective as of 12/04/2025. Fees or withdrawals could reduce the earnings on the account. Penalty may be imposed for early withdrawal. Data for Bank of America, Chase, and Wells Fargo provided by: Information effective 12/03/2025 CD Schedule of Fees Frost Annual Percentage Yield (APY) Bank of America Annual Percentage Yield (APY) Chase Annual Percentage Yield (APY) Wells Fargo Annual Percentage Yield (APY) $0-14,999.99 0.10% 0.01% 0.01% 0.01% $15,000 and over 0.30% 0.01% 0.01% 0.01% Data for Frost Bank provided by Frost Bank Frost Annual Percentage Yield effective as of 12/04/2025. Fees or withdrawals could reduce the earnings on the account. Data for Bank of America, Chase, and Wells Fargo provided by: Information effective 12/03/2025 Savings Account Schedule of Fees Data for Frost Bank provided by Frost Bank Frost Annual Percentage Yield effective as of 12/04/2025. Fees or withdrawals could reduce the earnings on the account. Data for Bank of America, Chase, and Wells Fargo provided by: Information effective 12/03/2025 Savings Account Schedule of Fees Choose the account that fits you Each is built to help you reach your savings goals faster — and take your hard work even further. Frost Savings Account 3.50 monthly service charge OR 0 with ways to waive The perfect way to start building good savings habits. Unlimited transfers to an account in your name at Frost You are allowed two free withdrawals per month Can be used as overdraft protection for your checking account Transfer money to and from your account online Most check deposits will be available the next business day Open now Learn more Frost Money Market 15 monthly service charge OR 0 with ways to waive Maintain some flexibility and earn higher returns. Tiered interest paid monthly Six free withdrawals of any kind are allowed per statement cycle Most check deposits will be available by the next business day Can be used as overdraft protection for your checking account See online images of checks you’ve written Open now Learn more Frost Certificate of Deposit 1,000 minimum opening deposit Set money aside for a fixed time and enjoy a fixed rate of return. Backed by the security of Frost and FDIC insured up to $250,000 per depositor Account details are viewable through Frost Online Banking or the Frost App May be used to waive monthly service charges for a Frost checking account May be used for traditional and Roth IRAs Open at a nearby location Learn more Frost Savings Account 3.50 monthly service charge OR 0 with ways to waive The perfect way to start building good savings habits. Unlimited transfers to an account in your name at Frost You are allowed two free withdrawals per month Transfer money to and from your account online Most check deposits will be available the next business day Open now Learn more Frost Money Market 15 monthly service charge OR 0 with ways to waive The essential account for feeling confident about your money Tiered interest paid monthly Six free withdrawals of any kind are allowed per statement cycle Most check deposits will be available by the next business day Can be used as overdraft protection for your checking account See online images of checks you’ve written Open now Learn more Frost Certificate of Deposit 1,000 minimum opening deposit Set money aside for a fixed time and enjoy a fixed rate of return. Backed by the security of Frost and FDIC insured up to $250,000 per depositor Account details are viewable through Frost Online Banking or the Frost App May be used to waive monthly service charges for a Frost checking account May be used for traditional and Roth IRAs Open at a nearby location Learn more Compare all accounts in detail Let's get started Do you have a Frost Account? Yes, log me in Log in or register for online banking access for a faster, prefilled application. No, sign me up It only takes about 10 minutes to open your first Frost account. Bank the way you want The only time we’ll leave you in the dark We believe technology should make people’s lives better. Our dark mode is designed to reduce eye strain in low-light environments. And it looks cool, too. Explore the Frost App Experience the Frost difference Real human support Here for you all day. And all night. Don’t let your financial questions or concerns make you lose sleep. Give us a call 24/7 at (800) 513-7678, or schedule an appointment to see us in person during business hours. Easy access to your money Enjoy fee-free ATM withdrawals at H-E-B and Circle K locations statewide, plus CVS and Walgreens stores in Dallas and Tarrant County. Providing peace of mind Our technology and security tools, like freezing your card in the app or customizing Debit Card Alerts, are designed to help you feel more in control of your own money. Some other accounts you may be interested in: Health Savings Account For those who are eligible, a Frost HSA can offer tax advantages and more flexible options for covering medical expenses. Learn more about Frost HSA Retirement Accounts Our wealth advisors are always ready to answer your questions and help you find the right retirement account. Explore IRA and retirement account options Personal Checking Accounts Our suite of accounts offers the right choice for everyone. 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