What are the current interest rates at Frost Bank?

Current rates for Frost Bank include: 12-Month CD: 2.90%, 18-Month CD: 0.90%, 24-Month CD: 2.60%, Savings: 4.00%, MMA: 4.00%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Banks›
Frost Bank

iAdvertiser Disclosure

Frost Bank Rates & Review October 2026

Item: Frost Bank
Rating: 5
Author: saver75

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Frost Bank's top rates as of October 7, 2026 are 4.00% APY on its 90 Day Certificate of Deposit, 4.00% APY on savings, 4.00% APY on money market accounts, and 5.75% on its 30-year fixed-rate (Income-based) Mortgage, according to rates verified by MonitorBankRates. Other Frost Bank CD rates include 90 Day Jumbo CD at 4.00%, 90 Day Certificate of Deposit at 3.65%, and 180 Day Certificate of Deposit at 3.60%. Other Frost Bank mortgage rates include 30-year 7/6 ARM at 6.75%, 30-year 7/6 ARM at 6.875%, and 30-year 10/6 ARM at 6.75%. 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 10/07/2026.

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.

Verified Healthy Q2 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

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
90 Day Certificate of Deposit	-	4.00%	90 Day
Min Balance $500,000 Details Balance: $500,000+; $500,000+ Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60% Oct 2, 20264.00%▲ from 3.80% Sep 24, 20263.80%▲ from 3.60% Sep 18, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
90 Day Jumbo CD	-	4.00%	90 Day
Details Jumbo CDs of $500,000 and over. Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60% Oct 2, 20264.00%▲ from 3.80% Sep 24, 20263.80%▲ from 3.60% Sep 18, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
90 Day Certificate of Deposit	-	3.65%	90 Day
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 3.35% → 3.65% ▲ 0.30 pts · high 3.65% / low 3.35% Oct 2, 20263.65%▲ from 3.50% Sep 24, 20263.50%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
180 Day Certificate of Deposit	-	3.60%	180 Day
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 3.10% → 3.60% ▲ 0.50 pts · high 3.60% / low 3.10% Oct 2, 20263.60%▲ from 3.50% Sep 24, 20263.50%▲ from 3.10% Sep 18, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
12 Month Certificate of Deposit	-	3.35%	12 Month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 3.00% → 3.35% ▲ 0.35 pts · high 3.35% / low 3.00% Oct 2, 20263.35%▲ from 3.25% Sep 24, 20263.25%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
90 Day Certificate of Deposit	-	3.30%	90 Day
Min Balance $1,000 Details Balance: $1,000 to $99,999.99 Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05% Oct 2, 20263.30%▲ from 3.20% Sep 27, 20263.20%▲ from 3.05% Sep 18, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
180 Day Certificate of Deposit	-	3.20%	180 Day
Min Balance $1,000 Details Balance: $1,000 to $99,999.99 Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 2.70% → 3.20% ▲ 0.50 pts · high 3.20% / low 2.70% Oct 2, 20263.20%▲ from 3.10% Sep 27, 20263.10%▲ from 2.70% Sep 18, 20262.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
24 Month Certificate of Deposit	-	3.10%	24 Month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 2.90% → 3.10% ▲ 0.20 pts · high 3.10% / low 2.90% Oct 2, 20263.10%▲ from 3.00% Sep 24, 20263.00%▲ from 2.90% Sep 18, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
12 Month Certificate of Deposit	-	2.90%	12 Month
Min Balance $1,000 Details Balance: $1,000 to $99,999.99 Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 2.55% → 2.90% ▲ 0.35 pts · high 2.90% / low 2.55% Oct 2, 20262.90%▲ from 2.80% Sep 27, 20262.80%▲ from 2.55% Sep 18, 20262.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
12 Month Fixed IRA	-	2.90%	12 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
24 Month Certificate of Deposit	-	2.60%	24 Month
Min Balance $1,000 Details Balance: $1,000 to $99,999.99 Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 2.40% → 2.60% ▲ 0.20 pts · high 2.60% / low 2.40% Oct 2, 20262.60%▲ from 2.50% Sep 27, 20262.50%▲ from 2.40% Sep 18, 20262.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
24 Month Fixed IRA	-	2.60%	24 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
60 Day Certificate of Deposit	-	1.40%	60 Day
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 1.30% → 1.40% ▲ 0.10 pts · high 1.40% / low 1.30% Sep 24, 20261.40%▲ from 1.30% Sep 18, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
30 Day Certificate of Deposit	-	1.30%	30 Day
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 1.20% → 1.30% ▲ 0.10 pts · high 1.30% / low 1.20% Sep 24, 20261.30%▲ from 1.20% Sep 18, 20261.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
14 Day Certificate of Deposit	-	1.25%	14 Day
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 1.15% → 1.25% ▲ 0.10 pts · high 1.25% / low 1.15% Sep 24, 20261.25%▲ from 1.15% Sep 18, 20261.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
18 Month Variable IRA	-	0.90%	18 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Frost Bank Business Savings Rates

Product	Rate	APY
Business Savings	-	2.85%
Min Balance $20,000,000 Details Balance: $20,000,000 and Over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	2.65%
Min Balance $10,000,000 Details Balance: $10,000,000 - $19,999,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	2.50%
Min Balance $2,500,000 Details Balance: $2,500,000 - $9,999,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	2.35%
Min Balance $1,000,000 Details Balance: $1,000,000 - $2,499,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	1.60%
Min Balance $2,500,000 Details Balance: $2,500,000 - $9,999,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	1.60%
Min Balance $10,000,000 Details Balance: $10,000,000 - $19,999,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	1.60%
Min Balance $20,000,000 Details Balance: $20,000,000 and Over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	1.57%
Min Balance $250,000 Details Balance: $250,000 - $999,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.57% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	1.50%
Min Balance $1,000,000 Details Balance: $1,000,000 - $2,499,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	1.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	1.25%
Min Balance $0 Details Balance: $0.00 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	1.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	1.20%
Min Balance $250,000 Details Balance: $250,000 - $999,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	1.10%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	1.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	0.80%
Min Balance $0 Details Balance: $0.00 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	0.80%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	0.25%
Min Balance $15,000 Details Balance: $15,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	0.15%
Min Balance $0 Details Balance: $0-14,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Frost Bank Money Market Rates

Product	Rate	APY
Money Market	-	2.85%
Min Balance $20,000,000 Details Balance: $20,000,000 and Over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.85% APY · checked 2 times 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 10/07/2026 Rate History No change since Oct 7, 2026 · 2.65% APY · checked 2 times 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 10/07/2026 Rate History No change since Oct 7, 2026 · 2.50% APY · checked 2 times 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 10/07/2026 Rate History No change since Oct 7, 2026 · 2.35% APY · checked 2 times 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 10/07/2026 Rate History No change since Oct 7, 2026 · 2.30% APY · checked 2 times 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 10/07/2026 Rate History No change since Oct 7, 2026 · 2.15% APY · checked 2 times 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 10/07/2026 Rate History No change since Oct 7, 2026 · 1.15% APY · checked 2 times 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 10/07/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 times 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 10/07/2026 Rate History No change since Oct 7, 2026 · 0.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	-	0.25%
Min Balance $15,000 Details Balance: $15,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	-	0.15%
Min Balance $0 Details Balance: $0-14,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Frost Bank Mortgage Rates

Product	Rate	Points	APR	Term
30-year fixed-rate (Income-based) Mortgage	5.75%	0	5.826%	30 years
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 5.83% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
30-year 7/6 ARM	6.75%	0	6.371%	30 years
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.37% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
30-year 7/6 ARM	6.875%	0	6.733%	30 years
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.73% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
30-year 10/6 ARM	6.75%	0	6.768%	30 years
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.77% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
15-year fixed-rate	6.625%	0	6.79%	15 years
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
30-year 10/6 ARM	7.125%	0	6.958%	30 years
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.96% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
15-year fixed-rate	7.00%	0	7.06%	15 years
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.06% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
30-year fixed-rate (Location-based) Mortgage	7.25%	0	7.333%	30 years
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.33% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
30-year fixed-rate	7.50%	0	7.538%	30 years
Details Additional APR listed for this product: 7.606%. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.54% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Frost Bank Other Rates

Product	Rate	Points	APY/APR	Term
Business Savings	-	-	3.30%	90 Day
Min Balance $1,000 Details Balance: $1,000 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	-	3.20%	180 Day
Min Balance $1,000 Details Balance: $1,000 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	-	2.90%	12 Month
Min Balance $1,000 Details Balance: $1,000 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	-	2.60%	24 Month
Min Balance $1,000 Details Balance: $1,000 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	-	1.25%	14 Day
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	-	1.30%	30 Day
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	-	1.40%	60 Day
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	-	3.65%	90 Day
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	-	3.60%	180 Day
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	-	3.35%	12 Month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	-	3.10%	24 Month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	-	-	4.00%	90 Day
Min Balance $500,000 Details Balance: $500,000+; $500,000+ Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	-	-	3.30%	90 Day
Min Balance $1,000 Details Balance: $1,000 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	-	-	3.20%	180 Day
Min Balance $1,000 Details Balance: $1,000 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	-	-	2.90%	12 Month
Min Balance $1,000 Details Balance: $1,000 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	-	-	2.60%	24 Month
Min Balance $1,000 Details Balance: $1,000 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	-	-	1.25%	14 Day
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	-	-	1.30%	30 Day
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	-	-	1.40%	60 Day
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	-	-	3.65%	90 Day
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	-	-	3.60%	180 Day
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	-	-	3.35%	12 Month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	-	-	3.10%	24 Month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	-	-	4.00%	90 Day
Min Balance $500,000 Details Balance: $500,000 and over; $500,000+ Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 2 times 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.

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.

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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$54.0B	2.51%	5.0	A+
March 31, 2026	$52.8B	1.72%	5.0	A+
December 31, 2025	$53.1B	1.84%	5.0	A+
September 30, 2025	$52.6B	1.06%	5.0	A+
June 30, 2025	$51.5B	2.50%	5.0	A+
March 31, 2025	$52.1B	2.29%	5.0	A+
December 31, 2024	$52.6B	2.70%	5.0	A+
September 30, 2024	$51.1B	2.70%	5.0	A+
June 30, 2024	$48.9B	2.30%	5.0	A+
March 31, 2024	$49.6B	2.88%	5.0	A+
December 31, 2023	$51.0B	1.92%	5.0	A+
September 30, 2023	$48.8B	2.63%	4.0	B+

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

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 18990220

FDIC Insurance Date 19340101

Domestic Offices 222

Total Branches 222

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.51%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3135%

Return on Equity (ROE) 15.3000%

Non-Performing Loans (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 06/30/2026

Q2 2026 MBR Health & Safety Badge

Frost Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/frost-bank-cd-rates">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

saver75

★★★★★

October 22, 2023

I took advantage of the 90 day jumbo cd offer at 5.20 percent.

Log in to reply Are you from Frost Bank and want to reply to a review? Log in or register and verify yourself to reply as a representative from Frost Bank.

Want to discuss Frost Bank with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for Frost Bank

Frequently Asked Questions About Frost Bank

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.