Your Money. Your Terms.

Build for the future. Lock-in growth today with an Amerant CD

60-Month CD

1.75% APY*
3, 6, 9 Months
12, 15, 18 Months
24 Months
36 Months
48 Months
60 Months

Maximize Your Goals with an Amerant CD

Deposits are FDIC insured

No checking account required

Simple. Just link your bank account and open your CD.

Simple online application

Convenient. Opening your CD is a quick 4-step process.

Monitor from anywhere

Smart. Check interest earned and account balance anytime, anyplace.

Limited-time offer

Voila! Lock-in today to take advantage of our market-leading rates.

See how much you'll earn

Deposit Amount
Please enter a value between $10,000 and $250,000
Annual Interest Earnings
Ending Balance

The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.

Begin to earn

Frequently Asked Questions

Why open a CD with Amerant Bank? Let us count the ways.

A great savings experience with market-leading rates. A long history that reflects a strong reputation and dedication to client relationships. When we talk, others listen. As the 5th largest bank in Florida, Amerant Bank, N.A. and among the top 2% of banks in the nation ranked by asset size, we carry some weight.

What CD terms do you offer? Because life happens, we offer plenty of options.

We offer CD terms of 12, 18, 24, 36, 48 and 60 months.

How do I open a CD? This will blow your mind, it’s so easy.

Open your CD through our Online Account Opening platform. Complete a simple four-step process. Just click here to begin your application.

What’s the minimum opening deposit for a CD? Everyone has to start somewhere.

The minimum opening deposit for a CD is $10,000.

Is there a limit to how much money I can put in my account? While the possibilities are endless, we do have a limit line per account.

We have a $250,000 limit per account up to a total of $500,000.

How do I fund my CD? So easy, it practically funds itself!

Within our application, you will be able to set up an ACH to fund your CD automatically.

Is there a balance required to avoid a fee? Staying feeless is staying fearless.

We do not charge regular monthly service fees on CDs. There is a minimum opening deposit of $10,000 for our CDs, An Early Withdrawal Penalty will apply if you withdraw funds prior to maturity.

What happens when my CD reaches its maturity date? Do you stay or do you go.

Your CD will automatically renew for the same term at the interest rate in effect on the maturity date. You may withdraw the funds without penalty during the 10-day grace period from the maturity date.

Can I make deposits to my existing CD?

You may not make any deposits to your CD during its term. Deposits are allowed only at maturity and during the grace period.

Can I make withdrawals from my CD? Maturity comes with its benefits.

Withdrawals are only allowed at maturity and during the CD grace period. If you choose to make a withdrawal prior to maturity, an Early Withdrawal Penalty will apply.

Are there early withdrawal penalties? Unfortunately, yes. There is a penalty box.

Yes. There is an Early Withdrawal Penalty if you withdraw all or a portion of your CD principal prior to maturity, which will reduce earnings. We calculate all early withdrawal penalties on the principal amount withdrawn at the interest rate in effect on the account on the withdrawal date. The Early Withdrawal Penalty is an amount equal to 180 days interest on the amount withdrawn, at the simple interest rate applicable to the Time Deposit, regardless of whether the funds withdrawn have remained on deposit for more or less than the 180 days.

How is the interest paid?

The interest is compounded and paid monthly. Interest may not be credited to another account other than the same CD at this time.