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Limited time only. Offer ends January 15, 2024. FL/TX Residents Only. Details
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If the rate on the promotional CD increases within the first 10 days of opening the account, you’ll get the new rate – automatically.
Protected. Up to $250,000.
Simple. Just link your bank account and open your CD.
Convenient. Opening your CD is a quick 4-step process.
Smart. Check interest earned and account balance anytime, anyplace.
Voila! Lock-in today to take advantage of our market-leading rates.
A great savings experience with market-leading rates. A long history that reflects a strong reputation and dedication to client relationships. As the largest community bank in Florida, and among the top 2% of banks in the nation ranked by asset size, Amerant Bank, N.A. carries some weight.
To open a CD, please visit a nearby branch or apply at the links above.
The minimum opening deposit is $10,000 balance.
We have a $250,000 limit per account up to a total of $500,000 per customer.
Within our application, you can set up an ACH to fund your CD automatically.
We do not charge regular monthly service fees on CDs. There is a minimum opening deposit of $10,000 balance for our CDs, An Early Withdrawal Penalty will apply if you withdraw funds prior to maturity.
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.
You may not make any deposits to your CD during its term. Deposits are allowed only at maturity and during the grace period.
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.
There is an Early Withdrawal Penalty if you withdraw all or a portion of your CD principal prior to maturity, reducing 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 We calculate all early withdrawal penalties on the principal amount withdrawn at the interest rate in effect on the account on the withdrawal date. The Early Withdrawal Penalty is an amount equal to 180 days of interest on the amount withdrawn, at the simple interest rate applicable to the Time Deposit, regardless of whether the funds withdrawn have remained on deposit for more or less than 180 days. These penalties are waived upon death or legal incompetence of any certificate owner.
The interest is compounded and paid monthly. Interest may not be credited to another account other than the same CD at this time.
FL Residents
TX Residents
*Domestic accounts only. Advertised rate applies only in the state of Florida. For accounts opened at an Amerant Bank Banking Center location: Annual Percentage Yield (APY) is accurate as of 12/01/2023. The minimum balance to open an account and obtain the advertised APY is $10,000 up to a maximum of $500,000. To obtain these rates, CD must be opened with new funds deposited into Amerant Bank. 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 12/01/2023. To obtain these rates, CD must be opened with new funds deposited into Amerant Bank. The minimum balance to open an account and obtain the advertised APY is $500 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. **CD OFFER DISCLOSURE – Promotional CD offer valid for Florida and Texas residents: 5.35% Annual Percentage Yield (APY) for 15-month CD term, 5.25% Annual Percentage Yield (APY) for 12-month CD term, 5.25% Annual Percentage Yield (APY) for 24-month CD term, 5.00% Annual Percentage Yield (APY) for 9-month CD term and 10-day rate guarantee are valid as of 12/01/2023. Must open an account by 01/15/2024, to get the promotional rate. Minimum $10,000 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000 per account – $500,000 per customer. Account must be opened online or in-branch. Personal account only. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce earnings on the account. Interest compounded and paid monthly. If no action is taken, CD auto-renews at current rates and APY available at that time.
*Domestic accounts only. Advertised rate applies only in the state of Texas. For accounts opened at an Amerant Bank Banking Center location: Annual Percentage Yield (APY) is accurate as of 12/01/2023. To obtain these rates, CD must be opened with new funds deposited into 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 12/01/2023. To obtain these rates, CD must be opened with new funds deposited into Amerant Bank. The minimum balance to open an account and obtain the advertised APY is $500 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. **CD OFFER DISCLOSURE – Promotional CD offer valid for Florida and Texas residents: 5.35% Annual Percentage Yield (APY) for 15-month CD term, 5.25% Annual Percentage Yield (APY) for 12-month CD term, 5.25% Annual Percentage Yield (APY) for 24-month CD term, 5.00% Annual Percentage Yield (APY) for 9-month CD term and 10-day rate guarantee are valid as of 12/01/2023. Must open an account by 01/15/2024, to get the promotional rate. Minimum $10,000 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000 per account – $500,000 per customer. Account must be opened online or in-branch. Personal account only. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce earnings on the account. Interest compounded and paid monthly. If no action is taken, CD auto-renews at current rates and APY available at that time.
Domestic accounts only. Annual percentage yield (APY) is accurate as of 12/01/2023. To obtain these rates, CD must be opened with new funds deposited into Amerant Bank. The minimum balance to open an account and obtain the advertised APY is $10,000 up to maximum of $250,000 per account, not to exceed a total deposit of $500,000 per customer. 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. tax payer identification number. Advertised rate is subject to change without notice. Penalties for early withdrawal may be imposed. Fees could reduce earnings on the account. Interest compounded and paid monthly. Interest may not be credited to another account other than the same CD at this time. CD will automatically renew for the same CD term at the rate and APY available at that time.
* CD OFFER DISCLOSURE – Promotional CD offer valid for Florida and Texas residents: 5.35% Annual Percentage Yield (APY) for 15-month CD term, 5.25% Annual Percentage Yield (APY) for 12-month CD term, 5.25% Annual Percentage Yield (APY) for 24-month CD term, 5.00% Annual Percentage Yield (APY) for 9-month CD term and 10-day rate guarantee are valid as of 11/30/2023. Must open an account by 01/15/2024, to get the promotional rate. Minimum $10,000 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000 per account – $500,000 per customer. Account must be opened online or in-branch. Personal account only. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce earnings on the account. Interest compounded and paid monthly. If no action is taken, CD auto-renews at current rates and APY available at that time.
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