Savings Account Options / Personal Money Market Account

Frost Money Market Account

Keep your money both liquid and growing. A Frost Money Market Account is a low-risk way to save and keep deposits safe from changes in the market, all while the tiered interest rates means larger deposits grow faster.

0 monthly service charge when you meet any one of the following:

Maintain $15,000 minimum daily balance in this account
Or own a Frost Premium Account

OR

15 monthly service charge if none of the above requirements are met

Open a Money Market account

Higher rates worth your interest

With a personal money market account, tiered interest rates typically pay a higher interest than a savings account. That means you can keep your money both liquid and growing. And because we believe that our success hinges on yours, we help you grow by raising our rates whenever we can.

	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 12/16/2025. Fees could reduce the earnings on the account. Data for Bank of America, Chase, and Wells Fargo provided by:
Information effective 12/10/2025

Personal Money Market Account Schedule of Fees

Money Market account additional features

Tiered interest paid monthly
Six free withdrawals of any kind are allowed per statement cycle
Can be used as overdraft protection for your checking account
Deposits made before 9pm are generally available the next business day
See online images of checks you’ve written

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 Money Market Account to good use

Since you'll be best served by this account when you leave the funds alone, start saving in advance when possible. Then you’ll be ready to do things like:

Put a down payment on a new car

Pay for your big vacation worry-free

Splurge on something special

Experience the Frost difference

At our core, we’re just people helping people. We’re passionate about supporting your financial goals, keeping your money accessible and offering help when you need it.

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.

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.

Still not sure which is the best account for you?

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

We’re here to guide you

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