What are Frost Bank CD rates?

Written by Editorial Team | Last Updated: August 2026

Frost Bank provides structured certificate of deposit schedules featuring competitive annual percentage yields across various tiered balances and short-term maturities. Standard personal certificates of deposit require minimum opening deposits starting at $1,000, offering yields such as approximately 3.05% APY for 90-day terms, 2.70% APY for 180-day terms, and 2.55% APY for 12-month terms. Higher deposit tiers exceeding $100,000 unlock enhanced yields, while jumbo commitments of $500,000 and above qualify for promotional short-term rates reaching up to 3.60% APY, providing savers with guaranteed fixed returns backed by institutional stability.

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Frost Bank, operating under Cullen/Frost Bankers, ranks comfortably among the top sixty largest commercial banking institutions in the United States, managing over fifty billion dollars in total consolidated assets.

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Frost Bank serves as a completely authentic, highly respected financial institution operating as the primary subsidiary of Cullen/Frost Bankers, Inc., with deep historical roots across Texas.

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