Savings Account Options / Frost Certificate of Deposit Account

Frost Certificate of Deposit Account

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.

Ready to open a CD? The team at your nearest Frost financial center will be glad to help.

Certificate of Deposit account overview

A safe, reliable way to build a stronger financial future, a Frost CD allows you to invest a fixed amount of money for a specific amount of time and receive a fixed amount of interest in return. Frost CDs:

Are backed by the security of Frost and FDIC insured up to $250,000 per depositor
Are viewable online and through the Frost App
May be used to waive monthly service charges for a Frost consumer checking account
May be used for Traditional and Roth IRAs

Find a Location

Earn 4.10% APY on 90 Day Jumbo CDs

Visit a Frost financial center for CDs of $500,000 and over, backed by the security of Frost.

*Annual Percentage Yield effective as of 07/03/2025. The interest rate and annual percentage yield may change at any time at our discretion. Fees could reduce the earnings on the account

4.10%

Annual Percentage Yield

Higher rates worth your interest

With a Frost Personal CD, you can invest a fixed amount of money for a defined time and rate. And with higher interest rates across the board than the big banks, you get to enjoy a higher return.

	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	3.50% 90 Day	3.75% 90 Day	1.25% 90 Day	1.51% 90 Day
	3.05% 180 Day	0.03% 180 Day	1.00% 180 Day	1.51% 180 Day
	2.70% 12 Month	0.03% 12 Month	2.00% 12 Month	2.01% 12 Month
	2.40% 24 Month	0.03% 24 Month	2.00% 24 Month	2.27% 24 Month
$100,000 and over	1.70% 14 Day	0.03% 14 Day	unavailable 14 Day	not offered 14 Day
	1.80% 30 Day	0.03% 30 Day	0.02% 30 Day	not offered 30 Day
	1.85% 60 Day	0.03% 60 Day	1.25% 60 Day	not offered 60 Day
	3.95% 90 Day	3.75% 90 Day	1.25% 90 Day	1.51% 90 Day
	3.55% 180 Day	0.03% 180 Day	180 Day	1.51% 180 Day
	3.15% 12 Month	0.03% 12 Month	2.00% 12 Month	2.01% 12 Month
	2.90% 24 Month	0.03% 24 Month	2.00% 24 Month	2.76% 24 Month
$500,000 and over	4.10%* 90 Day $500,000+	3.75% 90 Day $500,000+	1.25% 90 Day $500,000+	1.51% 90 Day $500,000+

Data for Frost Bank provided by Frost Bank Frost Annual Percentage Yield effective as of 07/03/2025. 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 06/25/2025

CD Schedule of Fees

We’ll do our part to get you to and through retirement

You’ve worked hard to come this far. Now let’s take your nest egg even further. Our Frost IRA CDs are a secure way to reach retirement, giving you a rate to build on — and a return to rely on.


FROST Annual Percentage Yield (APY)	BANK OF AMERICA Annual Percentage Yield (APY)	CHASE Annual Percentage Yield (APY)	WELLS FARGO Annual Percentage Yield (APY)
2.70% 12 Month Fixed IRA	0.03% 12 Month Fixed IRA	Not offered 12 Month Fixed IRA	Not offered 12 Month Fixed IRA
2.40% 24 Month Fixed IRA	0.03% 24 Month Fixed IRA	Not offered 24 Month Fixed IRA	Not offered 24 Month Fixed IRA
1.55% 18 Month Variable IRA	0.03% 18 Month Variable IRA	Not offered 18 Month Variable IRA	Not offered 18 Month Variable IRA

CD Schedule of Fees

CD account additional 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
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.

Bank the way you want

Enjoy higher interest with Frost

We’ve raised our interest rates to some of the highest in the industry. It’s just a little way we say kudos for being great savers.

We understand mistakes happen and emergencies can occur

Good news, you can use your Frost Savings Account or Frost Money Market Account as overdraft protection for your Frost personal checking account to cover those items.

The only time we’ll leave you in the dark

Our dark mode is designed to reduce eye strain in low-light environments. And it looks cool, too.

Here are a few ways to put your
Frost CD Account 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: