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.†
Compare CD Terms and Rates
- $1,000 minimum opening deposit
- Interest compounded daily to maximize your earnings
- No account fees
- Automatic renewal at maturity
- Easy fund transfers
Find the CD Rate That's Right for You.
At maturity, all Certificate of Deposits (“CD”), including ("IRA CDs") will automatically renew into a standard term 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. You have a (7) calendar day grace period (“Grace Period”) following the maturity of your CD to make changes or exercise other available options to your CD or IRA CD without penalty. If you do not contact us during the Grace Period, your CD or IRA CD will automatically renew at the Standard Rate for the new term. To provide instructions or for assistance during the Grace Period, please contact BankUnited's Client Care Center at 877-779-2265 or visit a banking center.
Short-Term and Long-Term CDs That Work for You
A Bright Future
A Safe Place
Protect your money from market risks and fluctuations.
Compound Interest
Start Saving for Something Great by Opening a CD 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 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.
If you're an existing customer, please log into your online banking for a faster, prefilled application experience. Login to Online Banking
Stay Connected with
On-The-Go Banking
- Monitor CD rates
- Transfer funds
- Track maturity dates
- Manage accounts
- And much more...
Personal Banking Resources for CD Accounts
Trusted Guidance
Digital Convenience
Flexible Solutions
Certificate of Deposit Accounts FAQs
A certificate of deposit account is a savings product that offers a fixed interest rate over a set term, providing predictable returns until maturity.
CD rates are fixed for the duration of the term. Your interest earnings are calculated based on the rate locked in when you open a CD account.
Yes, but early withdrawals may be subject to penalties depending on the CD term and account agreement.
Fixed-rate CDs provide stable, predictable returns and protect your savings from market fluctuations.
You can compare CD terms and rates by evaluating term length, interest rate, and your financial goals to find the best fit.
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 8/10/2026. 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. CD will automatically renew at maturity into a standard CD closest in length to the initial term (which may be shorter than the initial term) at the then current standard rate in effect at the time of renewal unless you instruct us otherwise. 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.