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
How do I compare CD terms and rates?
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 7/20/2026 and is subject to change prior to account opening. Advertised APY is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes interest remains on deposit until maturity. A minimum opening deposit of $1,000 is required. Maximum opening deposit is $250,000 per CD. Early withdrawal penalties may apply and may reduce earnings. At maturity, CDs automatically renew into the standard CD term closest in length to the original term, which may be shorter or longer than the original term, at the standard rate then in effect, unless alternative instructions are provided during the seven (7) calendar day grace period following maturity. Other fees may apply and could reduce earnings. Rates are not guaranteed until the account is opened and funded. Advertised rates are available for accounts opened online through BankUnited and may differ from rates available through other channels. Accounts are subject to approval and verification. Offer available for consumer accounts only. We reserve the right to modify or discontinue this offer at any time. Additional terms and conditions apply. Refer to the Deposit Account Agreement and Consumer Schedule of Fees for complete details.
† To the maximum allowed by law. For more information about FDIC insurance coverage please visit www.fdic.gov.