Fredericksburg, Texas Best CD Rates October 2026

Balance: $100,000.00 - $249,999.99

High-Yield Rewards Checking Account required

Non-Compounding Certificates available

Balance tier starting at $100,001; Minimum Deposit column

IRA Certificate; minimum deposit tier $1,000

Balance tier starting at $50,001; Minimum Deposit column

Balance: $500,000.00 and over; $500,000+ jumbo tier

Balance: $500,000 and over; Promotional rate for new CDs opened during the promotion; CDs opened prior to 5/1/2023 that renew during the promotion are not eligible; Penalty may be imposed for early withdrawal

Visit a Frost financial center for CDs of $500,000 and over; APY effective as of 10/14/2026; Frost CDs may be used for Traditional and Roth IRAs

Promotional yield; APY calculated on 3.93% base rate; new certificates only; membership eligibility required; no additional deposits

Balance: $5,000.00 - $99,999.99

Balance tier starting at $1,000; Minimum Deposit column

Compounded:; Credited: At Maturity

Limited time special offer; Balance under $100k; Jumbo ($100,000+) balances require a branch; Not available for individual retirement or business accounts; Open Online

Fixed rate; $1,000 minimum deposit to open; personal accounts only; interest accrued daily and paid monthly

Open Account

Rates guaranteed until maturity; Certificates of deposit above $250,000.00 will earn a reduced rate

Featured rate for 3-month term; see disclosures

Interest Rate: 3.70%; APY: 3.75%

Balance: $500+; Effective 9/17/26; early withdrawal penalty may apply

Simple interest, paid at maturity; renews automatically; early withdrawal penalty may apply

Balance: $100,000.00 and over

Balance: $100,000 and over

Balance: $100,000 and over

Interest paid monthly; JUMBO; account code 54

Int. Monthly; min. $500

Up to 4.50% APY; CD terms: 6-month, 12-month, 18-month, 24-month, and Jumbo 24-month; early withdrawal penalties apply

Featured Offer; $1,000.00 minimum opening deposit required to earn APY; APY effective as of 09/24/2026

Age: 13-17; Dividends Credited/Compounded: Monthly; $250 Minimum

Ages: 13-17; Teens Earning And Learning certificate; current dividend 4.33% APY compounded monthly; open in local branch

Promotional certificate; funded with new deposits only; $100 minimum if under 18 years old

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Certificate Rates (100,000 minimum balance)

Dividends paid monthly

Share Type: Regular or IRA; Dividends Paid: Monthly

Non-Compounding Certificates available

Dividend rate tier starting at $250,001

Dividend rate tier starting at $100,001

Balance: $500 & over

Balance: 500 & over

Opening balance $25,000.00 - $240,000.00; funds must be new money, not from an existing NexBank CD

Jumbo CD; interest compounded and credited monthly; penalty for early withdrawal

Minimum deposit tier

Dividend rate tier starting at $50,001

Balance: $225,000 or greater

To receive promotional rate, opening deposit cannot originate from pre-existing Freedom Bank account funds. Rate applicable to a maximum of $250,000.00 FDIC coverage per customer relationship. Rates may change after account opening. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Other terms and conditions may apply.

IRA Certificate

High-Yield Rewards Checking Account required

Effective 9/17/26; Minimum $500.00 purchase; Early withdrawal penalty may apply

Certificate Rates ($1,000 minimum balance)

Minimum: $99,000.00 or greater; Tier 3; Balance: $99,000.00 or greater

Minimum: $99,000.00 or greater; Tier 3; Balance: $99,000.00 or greater

Rates are subject to change without notice

Minimum deposit tier

Dividend rate tier starting at $1,000

Certificate/IRA Dividend Rates; Effective October 13th 2026; 90-day early withdrawal penalty

Compounded:; Credited: At Maturity