Personal Certificate of Deposit

Set money aside for a fixed time and feel confident about a fixed rate of return.

A Frost Certificate of Deposit, or CD, is a time account that pays a certain interest rate on a specific date in the future, called the maturity date. The longer you keep funds in a CD, the more likely you are to see a higher return at maturity.

Start saving today

Here are a few ways to put your CD to good use

When you’re saving with a CD, you’ll set the timeline when you open the account and won’t want to touch it until it’s matured. So it’s a great way to save for things like:

Preparing for the golden years

Supporting your kid’s education goals

Making progress on a 5-year plan

Certificate of Deposit Account Details

Interest Rates Comparison for $1,000-$99,999.99

Annual Percentage Yield
90 Days	0.04%
180 Days	0.08%
12 Months	0.10%
24 Months	0.30%

Interest Rates Comparison for $100,000 and over

	Annual Percentage Yield (APY)
14 Days	0.01%
30 Days	0.11%
60 Days	0.11%
90 Days	0.11%
180 Days	0.13%
12 Months	0.15%
24 Months	0.40%

Frost Annual Percentage Yield effective as of 10/22/2021. Fees could reduce the earnings on the account.

Account Features

The account will automatically renew at maturity
You will have 10 calendar days from the maturity date to withdraw your funds without being charged a penalty
Account details are viewable online and through the Frost App or Frost Online Banking (if you have a Frost checking account)
The balance in this account may be used to waive monthly service charges for a Frost Personal Account, Frost Plus Account or Frost Premium Account
Interest typically paid at maturity

Early Withdrawal Penalty

If you withdraw any funds prior to the maturity date, you may pay a penalty.

View Frost CD Account schedule of fees

Ready to open a CD?

The team at your nearest Frost Financial Center will be glad to help.

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