Frost Bank business CD rates
Frost Bank offers 4 business CD terms. The highest rate is 3.35% APY on the 3 months CD, which needs $1,000 to open. Rates were last checked November 9, 2026.
Rates by term
| Term | APY | Open with | Early withdrawal |
|---|---|---|---|
| 3 months | 3.35% | $1,000 | A penalty applies; the bank does not publish the amount |
| 6 months | 3.20% | $1,000 | A penalty applies; the bank does not publish the amount |
| 1 year | 2.90% | $1,000 | A penalty applies; the bank does not publish the amount |
| 2 years | 2.60% | $1,000 | A penalty applies; the bank does not publish the amount |
APY means the yearly yield with compounding. The bank can change rates on new CDs at any time. A CD you already hold keeps its rate until the term ends.
How it works
- Minimum to open
- $1,000
- Maximum deposit
- Not published
- Interest
- Not published
- Rate type
- Fixed
- At the end of the term
- Renews on its own; 10 days to withdraw without penalty
- Adding money later
- Not published
- How to open
- Branch
- Deposit insurance
- Not published
What the bank says about early withdrawal: Any withdrawals prior to maturity date are subject to early withdrawal penalty
- Rates shown are for balances of $1,000 to $99,999.99.
Check these before you open
- Confirm today's rate with the bank. Rates change without notice.
- Make sure your type of business can open one.
- Write down the maturity date and the number of days you get to withdraw without a penalty.
- Read the bank's account agreement.
Common questions
What are Frost Bank's business CD rates?
3 months 3.35%, 6 months 3.20%, 1 year 2.90%, 2 years 2.60% APY, as of November 9, 2026.
How much does it cost to open a Frost Bank business CD?
The page we read says $1,000 to open.
What if I take money out of a Frost Bank business CD early?
The bank says: Any withdrawals prior to maturity date are subject to early withdrawal penalty
Where this comes from
Each fact was copied from the bank's own page. Where the bank allows it, we check it against the page again on a schedule.
- https://www.frostbank.com/business/banking/cds
Used for: How to open, Rate (APY), Minimum to open, Monthly fee, Early withdrawal penalty, Rate type, Renewal