¹ At our discretion, we may change the interest rate and the annual percentage yield on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). If you close your account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day.

² For fees related to this service, review our Schedule of Fees.

⁴ Early withdrawal penalties apply to CDs. For fees related to this service, review our Schedule of Fees. Interest begins to accrue on the business day we receive credit for the deposit of noncash items. You may not make deposits into or withdrawals from your account until the maturity date. CDs can have single maturity or automatic renewal at the maturity date. If the automatic renewal feature is selected, you will have 10 calendar days after maturity to withdraw funds without penalty. For additional information and terms related to this account, please refer to the rate chart provided at account opening.

For accounts opened at an Amerant Bank Banking Center location: Annual Percentage Yield (APY) is accurate as of 08/20/2025. To take advantage of this offer, CD must be opened commencing 08/20/2025 with new funds deposited to Amerant Bank. The minimum balance to open an account and obtain the advertised APY is $10,000 up to a maximum of $500,000. Stated APY is valid for Personal and Business account customers. Individual customers must be citizens or resident aliens of the United States (U.S.) with a valid U.S. Taxpayer identification number. Advertised rate is subject to change without notice. Penalties for early withdrawal may be imposed. Fees could reduce earnings on the account. CD will automatically renew for the same CD term at the current rate and APY available at that time.

For accounts opened online: Annual Percentage Yield (APY) is accurate as of 08/20/2025. To take advantage of this offer, CD must be opened commencing 08/20/2025 with new funds deposited to Amerant Bank. The minimum balance to open an account and obtain the advertised APY is $10,000 up to a maximum of $250,000. Stated APY is valid for Personal account customers. Individual customers must be citizens or resident aliens of the United States (U.S.) with a valid U.S. Taxpayer identification number. Advertised rate is subject to change without notice. Penalties for early withdrawal may be imposed. Fees could reduce earnings on the account. CD will automatically renew for the same CD term at the current rate and APY available at that time.

USA PATRIOT Act

To help the government fight the funding of terrorism and money laundering activities, the Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What does this mean for you? When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.