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FDIC Insured - Backed by the full faith and credit of the U.S. Government

Savings with High Rewards

Earn more toward your goals with fixed rates and flexible terms. Be in control of your savings.

6-Month CD

4.25% APY*

$1,000 minimum deposit


If you're an existing customer, please log into your online banking for a faster,
prefilled application experience. Login to Online Banking

Certificate of Deposit Accounts

Money that Works For You

Set some money aside and reap the rewards when the account matures.


  • $1,000 minimum opening deposit
  • Interest compounded daily to maximize your earnings
  • No account fees
  • Automatic renewal at maturity
  • Easy fund transfers
Compare CD Rates
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Find the rate that's right for you.


6-Month CD

4.25% APY*

Open an Account

9-Month CD

4.00% APY*

Open an Account

12-Month CD

3.50% APY*

Open an Account

18-Month CD

0.10% APY*

Open an Account

24-Month CD

0.10% APY*

Open an Account

36-Month CD

0.10% APY*

Open an Account

Why CDs Are Worthy Investments

watering plant

A Bright Future


Earn money toward your best life now and for retirement.
secured safe

A Safe Place


Protect your money from market risks and fluctuations
increasing bar graph

Compound Interest


Grow your money faster when you renew your CD with accumulated interest.

Start Saving for Something Great Today

Open your account today in 3 easy steps

Number 1 in circle

Start Your Application


Tell us some basic information (like your address, contact number and social security number).
Number 2 in circle

Fund Your Account


Send your money via mobile deposit or secure online transfer. The minimum opening deposit is $1,000.
Number 3 in circle

Watch Your Money Grow


Download the BankUnited mobile app or log in to your online banking account to manage your funds at your convenience.

Open an Account


If you're an existing customer, please log into your online banking for a faster, prefilled application experience. Login to Online Banking

 


Online Banking

Stay Connected with
On-The-Go Banking


Manage your account anytime from the BankUnited mobile app.

  • Track your earnings
  • Transfer funds
  • Pay bills
  • Deposit checks
  • And much more...

Learn More
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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.

Frequently Asked Questions

More FAQs

*Annual Percentage Yield (APY) is accurate as of 7/7/2025. 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 Depositor’s 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.