Personal Banking  / Personal Saving 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
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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.
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
2.15%
0.04%
0.02%
0.06%
$25,000 - $49,999.99
2.15%
0.04%
0.02%
0.06%
$50,000 - $99,999.99
2.20%
0.04%
0.02%
0.06%
$100,000 - $249,999.99
2.30%
0.04%
0.02%
0.06%
$250,000 - $999,999.99
2.47%
0.04%
0.02%
0.06%
$1,000,000 - $2,499,999.99
3.25%
0.04%
0.02%
0.06%
$2,500,000 - $9,999,999.99
3.40%
0.04%
0.02%
0.06%
$10,000,000 - $19,999,999.99
3.55%
0.04%
0.02%
0.06%
$20,000,000 and Over
3.75%
0.04%
0.02%
0.06%


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 05/23/2024.
Fees could reduce the earnings on the account. Data for Bank of America, Chase, and Wells Fargo provided by:

Information effective 05/22/2024

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
4.55%
90 Day
4.00%
90 Day
4.00%
90 Day
2.51%
90 Day
4.35%
180 Day
0.03%
180 Day
3.00%
180 Day
2.51%
180 Day
4.00%
12 Month
0.03%
12 Month
2.00%
12 Month
1.51%
12 Month
3.25%
24 Month
0.03%
24 Month
2.50%
24 Month
1.51%
24 Month
$100,000 and over
2.35%
14 Day
0.03%
14 Day
0.02%
14 Day
not offered
14 Day
2.40%
30 Day
0.03%
30 Day
0.02%
30 Day
not offered
30 Day
2.45%
60 Day
0.03%
60 Day
3.25%
60 Day
not offered
60 Day
5.00%
90 Day
4.00%
90 Day
4.50%
90 Day
2.51%
90 Day
4.81%
180 Day
0.03%
180 Day
3.00%
180 Day
2.51%
180 Day
4.40%
12 Month
0.03%
12 Month
2.00%
12 Month
2.01%
12 Month
3.60%
24 Month
0.03%
24 Month
2.50%
24 Month
2.01%
24 Month
$500,000 and over
5.15%*
90 Day
not offered
90 Day
not offered
90 Day
not offered
90 Day


*This rate is available to new CDs opened during the promotion. CDs up for renewal during the promotion period are not eligible to receive this special rate.
Data for Frost Bank provided by Frost Bank.
Frost Annual Percentage Yield effective as of 05/23/2024.
Fees 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 05/22/2024

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
0.70%
0.01%
0.01%
0.01%
$15,000 and over
0.90%
0.01%
0.01%
0.01%


Data for Frost Bank provided by Frost Bank. All Bank of America, Chase, and Wells Fargo rate data shown for an equivalent account of $1-$25,000.
Frost Annual Percentage Yield effective as of 05/23/2024. Fees could reduce the earnings on the account.
The interest rate and annual percentage yield may change at any time at our discretion.
Data for Bank of America, Chase, and Wells Fargo provided by:

Information effective 05/22/2024

Choose the account that fits you
Each is built to help you reach your savings goals faster — and take your hard work even further.

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.

The frost app in the light theme The frost app in the dark theme

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.
Retirement Accounts
Our wealth advisors are always ready to answer your questions and help you find the right retirement account.
Personal Checking Accounts
Our suite of accounts offers the right choice for everyone.
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