You should be OK. If text is above the transparency, it should not be affected.
The way to tell. Open the Flattener Preview panel. Window > Output > Flattener Preview. When you choose from the Highlight menu, you can highlight transparent objects or objects affected by transparency. If an object is pink is affected.
Why do you place the text in a sperate frame? Text has its own transparenc setting even it is in the same frame with different settings for stroke and fill and object.