Maximize Your Earnings With Our Certificates of Deposit
Guaranteed Returns
Your savings grow at a fixed rate for the entire CD term, providing predictable earnings regardless of market changes.
Competitive Rates
Lock in today to take advantage of competitive CD rates compared with many savings options offered by banks and credit unions.
On-the-Go Access
Manage your account through secure online banking or the BankUnited mobile app — available 24 hours a day, 7 days a week.
FDIC Insured
Rest assured knowing your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to the maximum allowable limits.†
Start Saving for Something Great Today
Open your account today in three easy steps and begin earning interest with a BankUnited short term CD.
Start Your Application
Tell us some basic information such as your address, contact number, and Social Security number to begin opening your 6-month certificate of deposit.
Fund Your Account
Send funds through mobile deposit or secure online transfer. The minimum opening deposit is $1,000.
Watch Your Money Grow
Download the BankUnited mobile app or log in to your online banking account to manage your funds and track your savings at your convenience.
Benefits of a Short-Term CD
A short term CD can be a useful option for savers who want predictable earnings with a shorter commitment.
Benefits may include:
- Locking in a fixed interest rate for the full CD term
- Protection from interest-rate fluctuations during the term
- A shorter commitment compared with longer certificates of deposit
- The ability to reassess your savings strategy when the CD matures
If you are deciding between CDs and other deposit options, you may also want to review our:
For customers reviewing current 6 month CD rates, a shorter CD term can offer a balance between predictable returns and flexibility.
How a 6-Month CD Works
Opening a 6-month certificate of deposit allows you to earn a fixed interest rate for the initial CD term.
Open the Account with a Qualifying Deposit
A minimum opening deposit of $1,000 is required. The maximum opening deposit per CD is $250,000.
Earn a Fixed Rate During the Initial Term
The advertised Annual Percentage Yield (APY) is accurate as of the stated date and is fixed for the initial 6-month CD term only. The APY assumes interest earned remains on deposit until maturity.
Allow the CD to Reach Maturity
At maturity, the CD will automatically renew into a standard CD with a term closest in length to the original term and current standard rate in effect at the time of renewal unless you provide other instructions during the grace period.
For more details about available CD options, visit our certificate of deposit accounts page.
When a Short-Term CD May Be a Good Option
A short term CD may be a good option if you want to:
- Lock in a predictable return for a shorter time period
- Compare current 6 month CD rates before committing to longer CD terms
- Maintain a defined savings timeline while earning interest
Many savers choose a 6-month certificate of deposit when they expect interest rates may change and want the flexibility to reassess their options sooner.
Comparing CDs from Banks and Online Banks
Certificates of deposit are offered by banks and credit unions, as well as online banks.
When comparing current 6 month CD rates, customers often consider:
- The interest rate offered
- The length of the CD term
- Minimum deposit requirements
- Whether the institution is FDIC insured
Choosing a CD from a trusted financial institution helps ensure your savings remain secure while earning interest.
You can explore additional deposit products on our
Savings, Money Market, and CD Accounts page.
Frequently Asked Questions
Are BankUnited CDs FDIC insured?
Yes. BankUnited certificates of deposit are insured by the Federal Deposit Insurance Corporation (FDIC) up to applicable limits.
We're Here to Help You
Have a question about our products or services? We’ve got multiple ways you can get in touch with a Client Care Center representative.
*Annual Percentage Yield (APY) is accurate as of 1/28/2026. Advertised rate is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes interest earned remains on deposit until maturity. CD minimum opening deposit of $1,000.00 is required. Maximum opening deposit per CD is $250,000.00. Early withdrawal penalty may apply if you withdraw any principal from the CD before the maturity date. Account fees could reduce earnings. Additional terms and conditions apply. Please refer to our Deposit Account Agreement and applicable Schedule of Fees for additional information. We reserve the right to cancel or modify this offer at any time. Rates are subject to change at any time and are not guaranteed until the CD is opened. Advertised rates are for accounts opened online through BankUnited only. Other rates may be in effect for accounts opened in person at a BankUnited branch, by mail or other remote means. Please contact a BankUnited representative at (877) 779-2265 for additional details. Offer is for consumer accounts only. Products and services offered may differ among geographic locations.
Additional terms and conditions apply. CD will automatically renew at maturity into a standard CD closest in length to the initial term (which may be shorter or longer than the initial term) at the then current standard rate in effect at the time of renewal unless you instruct us otherwise.
† To the maximum allowed by law. For more information about FDIC insurance coverage please visit www.fdic.gov.