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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Frost Bank Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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 →
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: March 26, 2026
Frost Bank's IRA CDs 12-Month Fixed IRA rates are at 2.40%, IRA CDs 24-Month Fixed IRA rates are at 2.20%, IRA CDs 18-Month Variable IRA rates are at 1.10%. Frost Bank's savings rates are at 0.70%. Frost Bank's 15-year fixed-rate rates are at 5.50%, 30-year fixed-rate (Borrower) rates are at 5.75%, 30-year 10/6 ARM rates are at 5.75%, 30-year 7/6 ARM rates are at 5.62%, 15-year fixed-rate rates are at 6.00%. MonitorBankRates evaluates the financial stability of Frost Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.87%. Rates were last updated on 03/26/2026. 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. 
Frost Bank CD Rates
Frost Bank Savings Rates
Frost Bank Money Market Rates
Frost Bank Mortgage Rates
Methodology & Data SourcesMonitorBankRates 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
Institution Name
Frost Bank
Bank Holding Company
CULLEN FROST BANKERS INC
Address
111 W Houston St,
San Antonio, TX 78205 · Bexar
Website
https://www.frostbank.com
FDIC Certificate #
5510
Established
02/20/1899
FDIC Insurance Date
01/01/1934
Domestic Offices
217
Total Branches
219
Regulator
FED
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
2.87%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.3361%
Return on Equity (ROE)
21.3200%
Non-Performing Loans (NPL)
0.16%
Total Assets
$53,127,804,000
Total Deposits
$43,333,423,000
Equity Capital
$4,541,125,000
Net Income
$662,157,000
Headquarters
San Antonio
Total Offices
217
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Frost BankIs Frost Bank a safe place to deposit money?Yes, Frost Bank is considered a safe financial institution. With a Texas Ratio of 2.8670878959651%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Frost Bank operate?Frost Bank currently maintains approximately 219 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. Current Frost Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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