Frost Bank

FDIC-insured · certificate 5510

Money market, checking and CDs, with every rate from Frost Bank’s own pages and every rank against the accounts we track.

Checked Nov 1, 2026Updated Nov 1, 2026

Every account we track

Accounts and rates

A year on $10,000, after fees

Frost Money Market AccountMoney market account2.65%−$180$15 a month

Against 1043 checking accounts

Frost Personal AccountChecking accountNot stated#390$8 a month

Frost Plus AccountChecking account0.03%#900$15 a month

Frost Premium AccountChecking account · $25 to open0.04%#1025$30 a month

Frost Under 25 accountChecking account · $50 to openNot stated—None

$1,000 to open

3 months · Frost Bank’s best3.35%—

6 months3.20%#88 of 143

1 year2.90%#109 of 176

2 years2.60%#78 of 134

Cashing out early: up to 1 year, 30 days of interest; over 1 year, 90 days of interest. A dash: a term we don’t rank. All Frost Bank CDs

Against the market

Where each ranked account sits on our list for its kind. Further right is higher on the list.

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.