Personal / 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 1.10% 0.04% 0.02% 0.05% $25,000 - $49,999.99 1.10% 0.04% 0.02% 0.05% $50,000 - $99,999.99 1.15% 0.04% 0.02% 0.05% $100,000 - $249,999.99 1.25% 0.04% 0.02% 0.05% $250,000 - $999,999.99 1.42% 0.04% 0.02% 0.05% $1,000,000 - $2,499,999.99 2.20% 0.04% 0.02% 0.05% $2,500,000 - $9,999,999.99 2.35% 0.04% 0.02% 0.05% $10,000,000 - $19,999,999.99 2.50% 0.04% 0.02% 0.05% $20,000,000 and Over 2.70% 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 02/03/2026. Fees could reduce the earnings on the account. Data for Bank of America, Chase, and Wells Fargo provided by: Information effective 01/28/2026 Personal Money Market Account Schedule of Fees FROST Annual Percentage Yield (APY) $1,000 to $99,999.99 2.70% 90 Day 2.50% 180 Day 2.25% 12 Month 2.05% 24 Month $100,000 and over 1.15% 14 Day 1.20% 30 Day 1.30% 60 Day 3.05% 90 Day 2.90% 180 Day 2.70% 12 Month 2.55% 24 Month $500,000 and over 3.25%* 90 Day$500,000+ Data for Frost Bank provided by Frost Bank Frost Annual Percentage Yield effective as of 02/03/2026. Fees or withdrawals could reduce the earnings on the account. Penalty may be imposed for early withdrawal. Information effective 01/28/2026 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 0.05% 0.01% 0.01% 0.01% $15,000 and over 0.20% 0.01% 0.01% 0.01% Data for Frost Bank provided by Frost Bank Frost Annual Percentage Yield effective as of 02/03/2026. Fees or withdrawals could reduce the earnings on the account. Data for Bank of America, Chase, and Wells Fargo provided by: Information effective 01/28/2026 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.