Frost Certificate of Deposit Account

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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. Plus, 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.

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:

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Preparing for the golden years

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Supporting your kid’s education goals

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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
180 Days
12 Months
24 Months

Interest Rates Comparison for $100,000 and over

Annual Percentage Yield (APY)
14 Days
30 Days
60 Days
90 Days
180 Days
12 Months
24 Months

Frost Annual Percentage Yield effective as of 05/26/2022. 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.

Ready to open a CD?

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


Still not sure which is the best account for you?

We’ve put some key details into an easy-to-use chart.

Compare all savings accounts

We're here to guide you

If you’d like to talk through the options, a Frost Banker is just a phone call away.

Call us at
(866) 376-7889

Or stop in to your nearest
Frost Financial Center