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Frost Bank Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Frost Bank's 12-Month Personal CD rates are at 3.35%, 24-Month Personal CD rates are at 3.10%, 90 Day Business CD rates are at 3.90%, 90 Day Jumbo CD rates are at 3.90%, 90 Day Personal CD - Jumbo rates are at 3.90%. Frost Bank's savings rates are at 3.90%. Frost Bank's money market rates are at 3.90%. Frost Bank's Frost Progress Mortgage Options - 30-year fixed-rate (Income-based) rates are at 5.75%, Frost Jumbo Mortgage - 30-year 7/6 ARM rates are at 6.375%, Frost Mortgage - 30-year 7/6 ARM rates are at 6.50%, Frost Mortgage - 15-year fixed-rate rates are at 6.50%, Frost Jumbo Mortgage - 30-year 10/6 ARM rates are at 6.75%. Frost Bank's top CD rate of 3.35% APY on a 12 month CD is 10% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Frost Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.51%. Rates last updated and verified on 11/05/2026.

Frost Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Frost Bank? Share your experience about Frost Bank by leaving a review below, or read customer reviews before you decide to use Frost Bank.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.51%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Frost Bank
111 W Houston St
San Antonio, TX 78205
https://www.frostbank.com
MemberFDIC
Customer Reviews
5.0 ★ 1 review
Write a Review
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Frost Bank CD Rates

Product Rate APY Term View More
90 Day Jumbo CD - 3.90% 90 Day
Min Balance $500,000
Details Visit a Frost financial center for CDs of $500,000 and over; Annual Percentage Yield effective as of 11/05/2026
Last Updated 11/05/2026
Rate History
1 change since Oct 14, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Oct 14, 2026: 4.00% APYNov 5, 2026: 3.90% APYOct 14, 2026Nov 9, 2026
  • Nov 5, 20263.90%▼ from 4.00%
  • Oct 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
90 Day Personal CD - Jumbo - 3.90% 90 Day
Min Balance $500,000
Details Balance: $500,000.00 and over; Frost APY effective as of 11/05/2026; Penalty may be imposed for early withdrawal
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.90% APY
3.40%3.90%4.40%Nov 5, 2026: 3.90% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
90 Day Personal CD - 3.70% 90 Day
Min Balance $100,000
Details Balance: $100,000.00 and over; Frost APY effective as of 11/05/2026; Penalty may be imposed for early withdrawal
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.70% APY
3.20%3.70%4.20%Nov 5, 2026: 3.70% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
180 Day Personal CD - 3.60% 180 Day
Min Balance $100,000
Details Balance: $100,000.00 and over; Frost APY effective as of 11/05/2026; Penalty may be imposed for early withdrawal
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.60% APY
3.10%3.60%4.10%Nov 5, 2026: 3.60% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
12-Month Personal CD - 3.35% 12 Month
Min Balance $100,000
Details Balance: $100,000.00 and over; Frost APY effective as of 11/05/2026; Penalty may be imposed for early withdrawal
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.35% APY
2.85%3.35%3.85%Nov 5, 2026: 3.35% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
90 Day Personal CD - 3.35% 90 Day
Min Balance $1,000
Details Balance: $1,000.00 - $99,999.99; Frost APY effective as of 11/05/2026; Penalty may be imposed for early withdrawal
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.35% APY
2.85%3.35%3.85%Nov 5, 2026: 3.35% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
180 Day Personal CD - 3.20% 180 Day
Min Balance $1,000
Details Balance: $1,000.00 - $99,999.99; Frost APY effective as of 11/05/2026; Penalty may be imposed for early withdrawal
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.20% APY
2.70%3.20%3.70%Nov 5, 2026: 3.20% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
24-Month Personal CD - 3.10% 24 Month
Min Balance $100,000
Details Balance: $100,000.00 and over; Frost APY effective as of 11/05/2026; Penalty may be imposed for early withdrawal
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.10% APY
2.60%3.10%3.60%Nov 5, 2026: 3.10% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
12-Month Personal CD - 2.90% 12 Month
Min Balance $1,000
Details Balance: $1,000.00 - $99,999.99; Frost APY effective as of 11/05/2026; Penalty may be imposed for early withdrawal
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 2.90% APY
2.40%2.90%3.40%Nov 5, 2026: 2.90% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
IRA CDs - 12-Month Fixed IRA - 2.90% 12 Month
Details Frost IRA CD comparison table; Frost APY effective as of 10/19/2026
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Oct 14, 2026: 2.90% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
24-Month Personal CD - 2.60% 24 Month
Min Balance $1,000
Details Balance: $1,000.00 - $99,999.99; Frost APY effective as of 11/05/2026; Penalty may be imposed for early withdrawal
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 2.60% APY
2.10%2.60%3.10%Nov 5, 2026: 2.60% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
IRA CDs - 24-Month Fixed IRA - 2.60% 24 Month
Details Frost IRA CD comparison table; Frost APY effective as of 10/19/2026
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 2.60% APY · checked 5 times
2.10%2.60%3.10%Oct 14, 2026: 2.60% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
60 Day Personal CD - 1.40% 60 Day
Min Balance $100,000
Details Balance: $100,000.00 and over; Frost APY effective as of 11/05/2026; Penalty may be imposed for early withdrawal
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 1.40% APY
0.90%1.40%1.90%Nov 5, 2026: 1.40% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
30 Day Personal CD - 1.30% 30 Day
Min Balance $100,000
Details Balance: $100,000.00 and over; Frost APY effective as of 11/05/2026; Penalty may be imposed for early withdrawal
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 1.30% APY
0.80%1.30%1.80%Nov 5, 2026: 1.30% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
14 Day Personal CD - 1.25% 14 Day
Min Balance $100,000
Details Balance: $100,000.00 and over; Frost APY effective as of 11/05/2026; Penalty may be imposed for early withdrawal
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 1.25% APY
0.75%1.25%1.75%Nov 5, 2026: 1.25% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
IRA CDs - 18-Month Variable IRA - 0.90% 18 Month
Details Frost IRA CD comparison table; Variable IRA; Frost APY effective as of 10/19/2026
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 0.90% APY · checked 5 times
0.40%0.90%1.40%Oct 14, 2026: 0.90% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%

Frost Bank Business CD Rates

Product Rate APY Term View More
90 Day Business CD - 3.90% 90 Day
Min Balance $500,000
Details Balance: $500,000 and over; Promotional rate on new CDs opened during the promotion; CDs opened prior to 5/1/2023 that are up for renewal during the promotion are not eligible
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.90% APY
3.40%3.90%4.40%Nov 5, 2026: 3.90% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
90 Day Business CD - 3.70% 90 Day
Min Balance $100,000
Details Balance: $100,000.00 and over
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.70% APY
3.20%3.70%4.20%Nov 5, 2026: 3.70% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
180 Day Business CD - 3.60% 180 Day
Min Balance $100,000
Details Balance: $100,000.00 and over
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.60% APY
3.10%3.60%4.10%Nov 5, 2026: 3.60% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
12-Month Business CD - 3.35% 12 Month
Min Balance $100,000
Details Balance: $100,000.00 and over
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.35% APY
2.85%3.35%3.85%Nov 5, 2026: 3.35% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
90 Day Business CD - 3.35% 90 Day
Min Balance $1,000
Details Balance: $1,000.00 - $99,999.99
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.35% APY
2.85%3.35%3.85%Nov 5, 2026: 3.35% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
180 Day Business CD - 3.20% 180 Day
Min Balance $1,000
Details Balance: $1,000.00 - $99,999.99
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.20% APY
2.70%3.20%3.70%Nov 5, 2026: 3.20% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
24-Month Business CD - 3.10% 24 Month
Min Balance $100,000
Details Balance: $100,000.00 and over
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.10% APY
2.60%3.10%3.60%Nov 5, 2026: 3.10% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
12-Month Business CD - 2.90% 12 Month
Min Balance $1,000
Details Balance: $1,000.00 - $99,999.99
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 2.90% APY
2.40%2.90%3.40%Nov 5, 2026: 2.90% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
24-Month Business CD - 2.60% 24 Month
Min Balance $1,000
Details Balance: $1,000.00 - $99,999.99
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 2.60% APY
2.10%2.60%3.10%Nov 5, 2026: 2.60% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
60 Day Business CD - 1.40% 60 Day
Min Balance $100,000
Details Balance: $100,000.00 and over
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 1.40% APY
0.90%1.40%1.90%Nov 5, 2026: 1.40% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
30 Day Business CD - 1.30% 30 Day
Min Balance $100,000
Details Balance: $100,000.00 and over
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 1.30% APY
0.80%1.30%1.80%Nov 5, 2026: 1.30% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
14 Day Business CD - 1.25% 14 Day
Min Balance $100,000
Details Balance: $100,000.00 and over
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 1.25% APY
0.75%1.25%1.75%Nov 5, 2026: 1.25% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%

Frost Bank Business Savings Rates

Product Rate APY View More
Frost Business Savings Account - 0.25%
Min Balance $15,000
Details Balance: $15,000 and over
Last Updated 11/05/2026
Rate History
No change since Oct 20, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Oct 20, 2026: 0.25% APYOct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Frost Business Savings Account - 0.15%
Min Balance $0
Details Balance: $0-14,999.99
Last Updated 11/05/2026
Rate History
No change since Oct 20, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Oct 20, 2026: 0.15% APYOct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%

Frost Bank Money Market Rates

Product Rate APY View More
Money Market - 2.85%
Min Balance $20,000,000
Details Balance: $20,000,000 and over
Last Updated 11/05/2026
Rate History
No change since Oct 7, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Oct 7, 2026: 2.85% APYOct 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Money Market - 2.65%
Min Balance $10,000,000
Details Balance: $10,000,000 - $19,999,999.99
Last Updated 11/05/2026
Rate History
No change since Oct 7, 2026 · 2.65% APY · checked 7 times
2.15%2.65%3.15%Oct 7, 2026: 2.65% APYOct 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Money Market - 2.50%
Min Balance $2,500,000
Details Balance: $2,500,000 - $9,999,999.99
Last Updated 11/05/2026
Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Money Market - 2.35%
Min Balance $1,000,000
Details Balance: $1,000,000 - $2,499,999.99
Last Updated 11/05/2026
Rate History
No change since Oct 7, 2026 · 2.35% APY · checked 7 times
1.85%2.35%2.85%Oct 7, 2026: 2.35% APYOct 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Money Market - 2.30%
Min Balance $250,000
Details Balance: $250,000 - $999,999.99
Last Updated 11/05/2026
Rate History
No change since Oct 7, 2026 · 2.30% APY · checked 7 times
1.80%2.30%2.80%Oct 7, 2026: 2.30% APYOct 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Money Market - 2.15%
Min Balance $100,000
Details Balance: $100,000 - $249,999.99
Last Updated 11/05/2026
Rate History
No change since Oct 7, 2026 · 2.15% APY · checked 7 times
1.65%2.15%2.65%Oct 7, 2026: 2.15% APYOct 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Money Market - 1.15%
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 11/05/2026
Rate History
No change since Oct 7, 2026 · 1.15% APY · checked 7 times
0.65%1.15%1.65%Oct 7, 2026: 1.15% APYOct 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Money Market - 1.00%
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 11/05/2026
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Money Market - 0.90%
Min Balance $0
Details Balance: $0.00 - $24,999.99
Last Updated 11/05/2026
Rate History
No change since Oct 7, 2026 · 0.90% APY · checked 7 times
0.40%0.90%1.40%Oct 7, 2026: 0.90% APYOct 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%

Frost Bank Business Money Market Rates

Product Rate APY View More
Business High Yield Money Market - 2.85%
Min Balance $20,000,000
Details Balance: $20,000,000 and Over; Frost APY effective as of 10/19/2026; Fees could reduce earnings
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Oct 14, 2026: 2.85% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Business High Yield Money Market - 2.65%
Min Balance $10,000,000
Details Balance: $10,000,000 - $19,999,999.99; Frost APY effective as of 10/19/2026; Fees could reduce earnings
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 2.65% APY · checked 5 times
2.15%2.65%3.15%Oct 14, 2026: 2.65% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Business High Yield Money Market - 2.50%
Min Balance $2,500,000
Details Balance: $2,500,000 - $9,999,999.99; Frost APY effective as of 10/19/2026; Fees could reduce earnings
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Oct 14, 2026: 2.50% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Business High Yield Money Market - 2.35%
Min Balance $1,000,000
Details Balance: $1,000,000 - $2,499,999.99; Frost APY effective as of 10/19/2026; Fees could reduce earnings
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 2.35% APY · checked 5 times
1.85%2.35%2.85%Oct 14, 2026: 2.35% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Business Money Market - 1.60%
Min Balance $2,500,000
Details Balance: $2,500,000 - $9,999,999.99
Last Updated 11/05/2026
Rate History
No change since Oct 20, 2026 · 1.60% APY · checked 2 times
1.10%1.60%2.10%Oct 20, 2026: 1.60% APYOct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Business High Yield Money Market - 1.57%
Min Balance $250,000
Details Balance: $250,000 - $999,999.99; Frost APY effective as of 10/19/2026; Fees could reduce earnings
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 1.57% APY · checked 5 times
1.07%1.57%2.07%Oct 14, 2026: 1.57% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Business Money Market - 1.50%
Min Balance $1,000,000
Details Balance: $1,000,000 - $2,499,999.99
Last Updated 11/05/2026
Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Business High Yield Money Market - 1.40%
Min Balance $100,000
Details Balance: $100,000 - $249,999.99; Frost APY effective as of 10/19/2026; Fees could reduce earnings
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 1.40% APY · checked 5 times
0.90%1.40%1.90%Oct 14, 2026: 1.40% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Business High Yield Money Market - 1.30%
Min Balance $50,000
Details Balance: $50,000 - $99,999.99; Frost APY effective as of 10/19/2026; Fees could reduce earnings
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 1.30% APY · checked 5 times
0.80%1.30%1.80%Oct 14, 2026: 1.30% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Business High Yield Money Market - 1.25%
Min Balance $0
Details Balance: $0.00 - $24,999.99; Frost APY effective as of 10/19/2026; Fees could reduce earnings
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 5 times
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Business High Yield Money Market - 1.25%
Min Balance $25,000
Details Balance: $25,000 - $49,999.99; Frost APY effective as of 10/19/2026; Fees could reduce earnings
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 5 times
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Business Money Market - 1.20%
Min Balance $250,000
Details Balance: $250,000 - $999,999.99
Last Updated 11/05/2026
Rate History
No change since Oct 20, 2026 · 1.20% APY · checked 2 times
0.70%1.20%1.70%Oct 20, 2026: 1.20% APYOct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Business Money Market - 1.10%
Min Balance $100,000
Details Balance: $100,000 - $249,999.99
Last Updated 11/05/2026
Rate History
No change since Oct 20, 2026 · 1.10% APY · checked 2 times
0.60%1.10%1.60%Oct 20, 2026: 1.10% APYOct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Business Money Market - 1.00%
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 11/05/2026
Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 20, 2026: 1.00% APYOct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Business Money Market - 0.80%
Min Balance $0
Details Balance: $0.00 - $24,999.99
Last Updated 11/05/2026
Rate History
No change since Oct 20, 2026 · 0.80% APY · checked 2 times
0.30%0.80%1.30%Oct 20, 2026: 0.80% APYOct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%

Frost Bank Mortgage Rates

Product Rate Points APR Term View More
Frost Progress Mortgage Options - 30-year fixed-rate (Income-based) 5.75% 0 5.826%
Details 30-year fixed rate; Income-based option. Homebuyers may qualify through either the income-based or location-based option; benefits cannot be combined. Example rates as of 10/5/26.
Last Updated 11/05/2026
Rate History
No change since Oct 20, 2026 · 5.83% APR · checked 4 times
5.33%5.83%6.33%Oct 20, 2026: 5.83% APROct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Frost Jumbo Mortgage - 30-year 7/6 ARM 6.375% 0 6.532% 30 years
Details Jumbo loans greater than $832,750; financing up to 90% available; no maximum loan amount; second home financing available
Last Updated 11/05/2026
Rate History
1 change since Oct 14, 2026 · 6.66% → 6.53% ▼ 0.13 pts · high 6.66% / low 6.53%
6.03%6.60%7.16%Oct 14, 2026: 6.66% APRNov 5, 2026: 6.53% APROct 14, 2026Nov 9, 2026
  • Nov 5, 20266.53%▼ from 6.66%
  • Oct 14, 20266.66%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Frost Mortgage - 30-year 7/6 ARM 6.50% 0 6.66%
Details For loans up to $832,750; Financing up to 95% available; Second home financing available
Last Updated 11/05/2026
Rate History
2 changes since Oct 14, 2026 · 6.86% → 6.66% ▼ 0.20 pts · high 6.86% / low 6.66%
6.16%6.76%7.36%Oct 14, 2026: 6.86% APROct 20, 2026: 6.73% APRNov 5, 2026: 6.66% APROct 14, 2026Nov 9, 2026
  • Nov 5, 20266.66%▼ from 6.73%
  • Oct 20, 20266.73%▼ from 6.86%
  • Oct 14, 20266.86%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Frost Mortgage - 15-year fixed-rate 6.50% 0 6.664%
Details For loans up to $832,750; Financing up to 95% available; Second home financing available
Last Updated 11/05/2026
Rate History
1 change since Oct 14, 2026 · 7.04% → 6.66% ▼ 0.38 pts · high 7.04% / low 6.66%
6.16%6.85%7.54%Oct 14, 2026: 7.04% APROct 20, 2026: 6.66% APROct 14, 2026Nov 9, 2026
  • Oct 20, 20266.66%▼ from 7.04%
  • Oct 14, 20267.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Frost Jumbo Mortgage - 30-year 10/6 ARM 6.75% 0 6.745% 30 years
Details Jumbo loans greater than $832,750; financing up to 90% available; no maximum loan amount; second home financing available
Last Updated 11/05/2026
Rate History
1 change since Oct 14, 2026 · 6.83% → 6.75% ▼ 0.08 pts · high 6.83% / low 6.75%
6.25%6.79%7.33%Oct 14, 2026: 6.83% APRNov 5, 2026: 6.75% APROct 14, 2026Nov 9, 2026
  • Nov 5, 20266.75%▼ from 6.83%
  • Oct 14, 20266.83%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Frost Mortgage - 30-year 10/6 ARM 6.875% 0 6.894%
Details For loans up to $832,750; Financing up to 95% available; Second home financing available
Last Updated 11/05/2026
Rate History
2 changes since Oct 14, 2026 · 7.07% → 6.89% ▼ 0.17 pts · high 7.07% / low 6.89%
6.39%6.98%7.57%Oct 14, 2026: 7.07% APROct 20, 2026: 6.98% APRNov 5, 2026: 6.89% APROct 14, 2026Nov 9, 2026
  • Nov 5, 20266.89%▼ from 6.98%
  • Oct 20, 20266.98%▼ from 7.07%
  • Oct 14, 20267.07%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Frost Progress Mortgage Options - 30-year fixed-rate (Location-based) 7.00% 0 7.082%
Details 30-year fixed rate; Location-based option (homes located in qualifying locations). Homebuyers may qualify through either the income-based or location-based option; benefits cannot be combined. Example rates as of 10/5/26.
Last Updated 11/05/2026
Rate History
No change since Oct 20, 2026 · 7.08% APR · checked 4 times
6.58%7.08%7.58%Oct 20, 2026: 7.08% APROct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Frost Jumbo Mortgage - 30-year fixed-rate 7.125% 0 7.163% 30 years
Details Jumbo loans greater than $832,750; financing up to 90% available; no maximum loan amount; second home financing available
Last Updated 11/05/2026
Rate History
1 change since Oct 14, 2026 · 7.66% → 7.16% ▼ 0.50 pts · high 7.66% / low 7.16%
6.66%7.41%8.17%Oct 14, 2026: 7.66% APRNov 5, 2026: 7.16% APROct 14, 2026Nov 9, 2026
  • Nov 5, 20267.16%▼ from 7.66%
  • Oct 14, 20267.66%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Frost Jumbo Mortgage - 15-year fixed-rate 7.25% 0 7.311% 15 years
Details Jumbo loans greater than $832,750; financing up to 90% available; no maximum loan amount; second home financing available
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 7.31% APR · checked 2 times
6.81%7.31%7.81%Oct 14, 2026: 7.31% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Frost Mortgage - 30-year fixed-rate 7.25% 0 7.354%
Details For loans up to $832,750; Financing up to 95% available; Second home financing available
Last Updated 11/05/2026
Rate History
1 change since Oct 14, 2026 · 7.73% → 7.35% ▼ 0.38 pts · high 7.73% / low 7.35%
6.85%7.54%8.23%Oct 14, 2026: 7.73% APROct 20, 2026: 7.35% APROct 14, 2026Nov 9, 2026
  • Oct 20, 20267.35%▼ from 7.73%
  • Oct 14, 20267.73%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%

Frost Bank Other Rates

Product Rate Points APY/APR Term View More
Personal Money Market Account - - 3.35% 90 Day
Min Balance $1,000
Details Balance: $1,000 - $99,999.99
Last Updated 11/05/2026
Rate History
2 changes since Sep 24, 2026 · 3.20% → 3.35% ▲ 0.15 pts · high 3.35% / low 3.20%
2.70%3.28%3.85%Sep 24, 2026: 3.20% APYOct 14, 2026: 3.30% APYOct 20, 2026: 3.35% APYSep 24, 2026Nov 9, 2026
  • Oct 20, 20263.35%▲ from 3.30%
  • Oct 14, 20263.30%▲ from 3.20%
  • Sep 24, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Personal Money Market Account - - 3.20% 180 Day
Min Balance $1,000
Details Balance: $1,000 - $99,999.99
Last Updated 11/05/2026
Rate History
1 change since Sep 24, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
2.60%3.15%3.70%Sep 24, 2026: 3.10% APYOct 14, 2026: 3.20% APYSep 24, 2026Nov 9, 2026
  • Oct 14, 20263.20%▲ from 3.10%
  • Sep 24, 20263.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Personal Money Market Account - - 2.90% 12 Month
Min Balance $1,000
Details Balance: $1,000 - $99,999.99
Last Updated 11/05/2026
Rate History
1 change since Sep 24, 2026 · 2.80% → 2.90% ▲ 0.10 pts · high 2.90% / low 2.80%
2.30%2.85%3.40%Sep 24, 2026: 2.80% APYOct 14, 2026: 2.90% APYSep 24, 2026Nov 9, 2026
  • Oct 14, 20262.90%▲ from 2.80%
  • Sep 24, 20262.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Personal Money Market Account - - 2.60% 24 Month
Min Balance $1,000
Details Balance: $1,000 - $99,999.99
Last Updated 11/05/2026
Rate History
1 change since Sep 24, 2026 · 2.50% → 2.60% ▲ 0.10 pts · high 2.60% / low 2.50%
2.00%2.55%3.10%Sep 24, 2026: 2.50% APYOct 14, 2026: 2.60% APYSep 24, 2026Nov 9, 2026
  • Oct 14, 20262.60%▲ from 2.50%
  • Sep 24, 20262.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Personal Money Market Account - - 1.25% 14 Day
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 11/05/2026
Rate History
No change since Sep 24, 2026 · 1.25% APY · checked 5 times
0.75%1.25%1.75%Sep 24, 2026: 1.25% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Personal Money Market Account - - 1.30% 30 Day
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 11/05/2026
Rate History
No change since Sep 24, 2026 · 1.30% APY · checked 5 times
0.80%1.30%1.80%Sep 24, 2026: 1.30% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Personal Money Market Account - - 1.40% 60 Day
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 11/05/2026
Rate History
No change since Sep 24, 2026 · 1.40% APY · checked 5 times
0.90%1.40%1.90%Sep 24, 2026: 1.40% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Personal Money Market Account - - 3.70% 90 Day
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 11/05/2026
Rate History
2 changes since Sep 24, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50%
3.00%3.60%4.20%Sep 24, 2026: 3.50% APYOct 14, 2026: 3.65% APYOct 20, 2026: 3.70% APYSep 24, 2026Nov 9, 2026
  • Oct 20, 20263.70%▲ from 3.65%
  • Oct 14, 20263.65%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Personal Money Market Account - - 3.60% 180 Day
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 11/05/2026
Rate History
1 change since Sep 24, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
3.00%3.55%4.10%Sep 24, 2026: 3.50% APYOct 14, 2026: 3.60% APYSep 24, 2026Nov 9, 2026
  • Oct 14, 20263.60%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Personal Money Market Account - - 3.35% 12 Month
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 11/05/2026
Rate History
1 change since Sep 24, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
2.75%3.30%3.85%Sep 24, 2026: 3.25% APYOct 14, 2026: 3.35% APYSep 24, 2026Nov 9, 2026
  • Oct 14, 20263.35%▲ from 3.25%
  • Sep 24, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Personal Money Market Account - - 3.10% 24 Month
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 11/05/2026
Rate History
1 change since Sep 24, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
2.50%3.05%3.60%Sep 24, 2026: 3.00% APYOct 14, 2026: 3.10% APYSep 24, 2026Nov 9, 2026
  • Oct 14, 20263.10%▲ from 3.00%
  • Sep 24, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Personal Money Market Account - - 3.90% 90 Day
Min Balance $500,000
Details Balance: $500,000 and over; $500,000+ tier
Last Updated 11/05/2026
Rate History
2 changes since Sep 24, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 24, 2026: 3.80% APYOct 14, 2026: 4.00% APYNov 5, 2026: 3.90% APYSep 24, 2026Nov 9, 2026
  • Nov 5, 20263.90%▼ from 4.00%
  • Oct 14, 20264.00%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Savings Account - - 3.35% 90 Day
Min Balance $1,000
Details Balance: $1,000 - $99,999.99
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.35% APY
2.85%3.35%3.85%Nov 5, 2026: 3.35% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Savings Account - - 3.20% 180 Day
Min Balance $1,000
Details Balance: $1,000 - $99,999.99
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.20% APY
2.70%3.20%3.70%Nov 5, 2026: 3.20% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Savings Account - - 2.90% 12 Month
Min Balance $1,000
Details Balance: $1,000 - $99,999.99
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 2.90% APY
2.40%2.90%3.40%Nov 5, 2026: 2.90% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Savings Account - - 2.60% 24 Month
Min Balance $1,000
Details Balance: $1,000 - $99,999.99
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 2.60% APY
2.10%2.60%3.10%Nov 5, 2026: 2.60% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Savings Account - - 1.25% 14 Day
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 1.25% APY
0.75%1.25%1.75%Nov 5, 2026: 1.25% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Savings Account - - 1.30% 30 Day
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 1.30% APY
0.80%1.30%1.80%Nov 5, 2026: 1.30% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Savings Account - - 1.40% 60 Day
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 1.40% APY
0.90%1.40%1.90%Nov 5, 2026: 1.40% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Savings Account - - 3.70% 90 Day
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.70% APY
3.20%3.70%4.20%Nov 5, 2026: 3.70% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Savings Account - - 3.60% 180 Day
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.60% APY
3.10%3.60%4.10%Nov 5, 2026: 3.60% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Savings Account - - 3.35% 12 Month
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.35% APY
2.85%3.35%3.85%Nov 5, 2026: 3.35% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Savings Account - - 3.10% 24 Month
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.10% APY
2.60%3.10%3.60%Nov 5, 2026: 3.10% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Savings Account - - 3.90% 90 Day
Min Balance $500,000
Details Balance: $500,000 and over; $500,000+
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 3.90% APY
3.40%3.90%4.40%Nov 5, 2026: 3.90% APYNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.51%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Frost Bank’s Texas Ratio stayed near 2.63% in Q3 2023 to 2.51% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.0 to 5.0 and its Health Grade from B+ to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1% 2.0★ 1.9% 3.0★ 2.9% 4.0★ 3.9% 5.0★ Healthy zone – entire history below the 15% limit 2.63% B+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 2.51% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$54.0B2.51%5.0A+
March 31, 2026$52.8B1.72%5.0A+
December 31, 2025$53.1B1.84%5.0A+
September 30, 2025$52.6B1.06%5.0A+
June 30, 2025$51.5B2.50%5.0A+
March 31, 2025$52.1B2.29%5.0A+
December 31, 2024$52.6B2.70%5.0A+
September 30, 2024$51.1B2.70%5.0A+
June 30, 2024$48.9B2.30%5.0A+
March 31, 2024$49.6B2.88%5.0A+
December 31, 2023$51.0B1.92%5.0A+
September 30, 2023$48.8B2.63%4.0B+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Frost Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Frost Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Frost Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Frost Bank
Website https://www.frostbank.com
Address 111 W Houston St, San Antonio, TX 78205  ·  Bexar
Bank Holding Company CULLEN FROST BANKERS INC
FDIC Certificate # 5510
Regulator FED
Established February 20, 1899
FDIC Insurance Date January 1, 1934
Domestic Offices 222
Total Branches 222
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.51%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.3135%
Return on Equity (ROE)
15.3000%
Non-Performing Loans Ratio (NPL)
0.23%
Total Assets
$53,950,075,000
Total Deposits
$43,669,523,000
Equity Capital
$4,659,316,000
Net Income
$349,946,000
Headquarters
San Antonio
Total Branches and Offices
222
Source: FDIC — Last Updated June 30, 2026
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Customer Reviews

saver75
★★★★★
October 22, 2023
I took advantage of the 90 day jumbo cd offer at 5.20 percent.
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Average Rating
★★★★★
Total Reviews
1
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Frequently Asked Questions About Frost Bank

Does Frost Bank offer CDs?

Yes. Frost Bank current CD rates include its 90 Day Business CD at 3.90% APY, its 90 Day Jumbo CD at 3.90% APY and its 90 Day Personal CD - Jumbo at 3.90% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Frost Bank FDIC insured?

Yes. Frost Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Frost Bank?

The highest Frost Bank CD rate is its 90 Day Business CD at 3.90% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Frost Bank offer?

Frost Bank CD rates are 3.35% APY for a 12 month CD, 0.90% APY for an 18 month CD and 3.10% APY for a 2 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Frost Bank for its full lineup.

What is the highest savings rate at Frost Bank?

The highest Frost Bank savings rate is its 90 Day Savings Account at 3.90% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Frost Bank?

The highest Frost Bank money market rate is its 90 Day Personal Money Market Account at 3.90% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at Frost Bank?

The lowest Frost Bank 30 year fixed mortgage rate is its Frost Progress Mortgage Options - 30-year fixed-rate (Income-based) at 5.75%, verified by MonitorBankRates as of November 5, 2026. Frost Bank mortgage rates are 5.75% for a 30 year mortgage, 6.50% for a 15 year mortgage, 6.50% for a 7/6 ARM and 6.875% for a 10/6 ARM.

How many branches does Frost Bank operate?

Frost Bank currently maintains approximately 222 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Frost Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Frost Bank provides members with tools to manage their accounts and build a solid financial history.

Does Frost Bank offer online and mobile banking?

Most modern institutions like Frost Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.frostbank.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Frost Bank rates compare?

Frost Bank's top CD rate of 3.35% APY on a 12 month CD is 10% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. Frost Bank's top rates are its 90 Day Business CD at 3.90% APY, its 90 Day Savings Account at 3.90% APY, its 90 Day Personal Money Market Account at 3.90% APY and its Frost Progress Mortgage Options - 30-year fixed-rate (Income-based) at 5.75%, verified by MonitorBankRates on November 5, 2026.

Current Frost Bank Rates

  • 12-Month CD2.90%
  • 18-Month CD0.90%
  • 24-Month CD2.60%
  • Savings3.90%
  • MMA3.90%
Retrieved from our database of financial products. Rates subject to change.

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