The current rates for CDs that are available online are 0.25% APY for a period of 180 days, 0.45% for a period of 1 year and 1.00% for a period of two years respectively. These rates are for balances between $1,000 to $99,999. For balances between $100,000 and $250,000, the Frost CD rates are 0.30% for a period of 180 days and 1.00% APY for one and two years respectivel. Other than the online CDs, there are also CDs that can be opened by phone or in the financial centers and they have different rates and terms. The Frost certificate of deposit rates for a balance of $1,000 to $99,999 are 0.15% APY for a period of 90 days, 0.25% for a period of 180 days, 0.45% for a period of one year, 0.65% for a period of 18 months and 1.00% for a period of 2 years respectively. For balances over $100,000, the rates are 0.20% for a period of 14 days, 0.20% for a period of 30 days, 0.20% for a period of 60 days, 0.20% for a period of 90 days, 0.30% for a period of 180 days, 0.50% for a period of 1 year, 0.70% for a period of 18 months and 1.00% for a period of 2 years respectively. These rates are quite competitive in the current financial situation.