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FDIC

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

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CERTIFICATES OF DEPOSIT ACCOUNT

LOWER YOUR RISK. INCREASE YOUR EARNINGS.

With one of the safest forms of investing.

Open an Account
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Certificates of Deposit

Promotional Offers

12-Month Online CD

1.20  % APY1

24-Month Online CD

1.50 % APY1

Minimum opening deposit as low as $1,000

OPEN AN ACCOUNT

Lock in the highest earning rates.

Set some money aside for a while and reap the rewards when the account matures. All our CD accounts offer:

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Competitive Rates & Terms Choose from a variety of highly competitive rates and terms.
Predictable Returns2 Once you open your account, you’ll start earning a fixed rate — no rate fluctuations for the term of your CD.
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Peace of Mind3 Your money is insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000.
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Easy 24/7 Access4 Manage your CD account anytime, anywhere, using our digital banking app.

GO FOR MORE WITH ON-THE-GO BANKING!

Say hello to branchless banking with our digital banking platform!

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Deposit Checks

Deposit checks whenever, from wherever, with just a few taps on your smartphone.
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Manage Money Seamlessly

Quickly transfer funds between your BankUnited accounts. Or easily move money between your BankUnited accounts and other financial institutions.
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Bank Securely

Features like two-factor authentication, secure messaging, and fraud text alerts ensure your accounts are protected.
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Pay Bills

Add and delete payees, schedule recurring payments, and more.

What will your earnings afford?

GET STARTED TODAY

Start Your Application Now. It's as easy as 1-2-3!

Take 5 minutes to prepare for the future today. Open your account online in 3 easy steps.

Number 1

Tell us some basic information.

Like your address, contact number, and social security number. We will never compromise your information.
Number 2

Fund your account.

Send your money via mail, mobile deposit, or online transfer.
Number 3

Enroll in secure digital banking.

Use the BankUnited mobile app or online platform to access your account and watch your money grow.

In a rush? Start your application now and save it for up to 10 days.

Contact us today!

Tell us a bit about your situation or goals. We’ll help you lay out a plan with the best account for you.

1Annual Percentage Yield (APY) is accurate as of X/X/XXXX. 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 (844) 365-5720 for additional details. Offer is for consumer accounts only. This account is available online only.

2Returns assume funds are held through the end of the selected term.

3To the maximum allowed by law. Today’s standard limit on FDIC insurance coverage is set at $250,000 per depositor, per insured bank, for each account ownership category. All deposit accounts opened through BankUnited are combined with other deposit accounts held in the same ownership category at BankUnited, N.A. for purposes of calculating your Federal Deposit Insurance Corporation (FDIC) insurance coverage. For more information about FDIC insurance coverage please visit www.fdic.gov.

4BankUnited does not charge a fee for Mobile Banking, however, third party message and data rates may apply. These include fees your mobile carrier may charge you for data usage and text messaging services. Also, a supported mobile device is needed to use the Mobile app. Use of the Mobile Deposit feature requires a supported camera equipped device and an eligible BankUnited account. Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and other restrictions apply. Availability may be affected by your mobile carrier’s coverage area.