{"id":1657,"date":"2024-02-06T02:20:00","date_gmt":"2024-02-06T02:20:00","guid":{"rendered":"https:\/\/www.amerantbank.com\/ofinterest\/?p=1657"},"modified":"2025-08-04T07:02:18","modified_gmt":"2025-08-04T07:02:18","slug":"certificate-of-deposit-gifts","status":"publish","type":"post","link":"https:\/\/www.amerantbank.com\/ofinterest\/certificate-of-deposit-gifts\/","title":{"rendered":"Certificate of Deposit Gifts: Guaranteed Returns\u00a0"},"content":{"rendered":"\n<p>Regarding any special celebration, there is one question on everyone&#8217;s mind: <em>What gifts should I give?<\/em>&nbsp;<\/p>\n\n\n\n<p>Whether it\u2019s your kid or a close family friend you value, <a href=\"https:\/\/www.amerantbank.com\/products\/personal\/personal-savings\/certificates-of-deposits\/\" rel=\"noreferrer noopener\" target=\"_blank\">certificate of deposit<\/a> gifts are a great choice. What exactly is a certificate of deposit, and how do they work?&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-certificate-of-deposit-nbsp\"><strong>What is a Certificate of Deposit?&nbsp;<\/strong><\/h2>\n\n\n\n<p>A certificate of deposit, also known as a CD, is a type of savings account that allows you to earn interest. You begin by depositing a specific amount of money for a fixed period; this is the term length of the CD. During this time, you cannot withdraw the money from the account without incurring a penalty fee.<\/p>\n\n\n\n<p>Once the term is over, you can redeem the money in the CD account and the accrued interest. People consider CDs as a low-risk investment option.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-benefits-of-a-certificate-of-deposit-nbsp\"><strong>What are the Benefits of a Certificate of Deposit?&nbsp;<\/strong><\/h2>\n\n\n\n<p>A CD account has a <a href=\"https:\/\/www.amerantbank.com\/products\/personal\/personal-savings\/certificates-of-deposits\/#:~:text=Certificate%20of%20Deposit%20Benefits\" rel=\"noreferrer noopener\" target=\"_blank\">plethora of benefits<\/a>. Some of the most significant benefits include the following:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Low risk&nbsp;<\/li>\n\n\n\n<li>FDIC insured up to $250,000&nbsp;<\/li>\n\n\n\n<li>Higher interest rates than other accounts&nbsp;<\/li>\n\n\n\n<li>Guaranteed returns&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-to-whom-can-you-gift-a-certificate-of-deposit-nbsp\"><strong>To Whom Can You Gift a Certificate of Deposit?&nbsp;<\/strong><\/h2>\n\n\n\n<p>To open a CD, the account owner must specify themselves because it is a savings account. As a result, an adult cannot gift a CD to another adult. However, two acts allow CDs minors to receive CDs. The Uniform Transfers to Minors Act (UTMA) and the Uniform Grants to Minors Act (UGMA).&nbsp;<\/p>\n\n\n\n<p>You\u2019ll need to know some of the recipient\u2019s sensitive information. This includes their Social Security number, so giving a CD to an immediate family member is easiest. However, you do not have to have a familiar relationship with the recipient. You must collaborate with the child\u2019s parent or guardian to acquire the necessary information.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-should-you-pay-attention-to-when-opening-a-certificate-of-deposit-account-nbsp\"><strong>What Should You Pay Attention to When Opening a Certificate of Deposit Account?&nbsp;<\/strong><\/h2>\n\n\n\n<p>CD accounts are a safe tool for saving money, but it\u2019s essential to review <a href=\"https:\/\/www.investor.gov\/introduction-investing\/investing-basics\/investment-products\/certificates-deposit-cds\" target=\"_blank\" rel=\"noreferrer noopener\">the different features of the CD<\/a>. This way, you are sure before you commit. We suggest considering the following questions as you review your options:\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>What is the interest rate of the CD term you&#8217;re applying for?&nbsp;<\/li>\n\n\n\n<li>Is the rate fixed or variable?&nbsp;<\/li>\n\n\n\n<li>When is the CD account\u2019s interest paid?&nbsp;<\/li>\n\n\n\n<li>Is the interest paid via electronic transfer or a mailed check?&nbsp;<\/li>\n\n\n\n<li>How long until there is access to the CD funds?&nbsp;<\/li>\n\n\n\n<li>Is the maturity date specifically identified?&nbsp;<\/li>\n\n\n\n<li>What happens if there is premature access to the funds?&nbsp;<\/li>\n\n\n\n<li>Does the entity providing the CD have a good reputation?&nbsp;<\/li>\n\n\n\n<li>Is the entity a federally insured financial institution?&nbsp;<\/li>\n\n\n\n<li>Is the entity a broker with professional connections?&nbsp;<\/li>\n\n\n\n<li>Does the entity have a problematic history (such as fraud)?&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-certificates-of-deposit-an-interesting-gift-nbsp\"><strong>Certificates of Deposit: An <em>Interesting<\/em> Gift&nbsp;<\/strong><\/h2>\n\n\n\n<p>You can keep a child&#8217;s future safe with a certificate of deposit gift. Different CD gift options are available from Amerant Bank at any time.&nbsp;<\/p>\n\n\n\n<p>To learn more about how to open a certificate of deposit, visit our website at <a href=\"https:\/\/www.amerantbank.com\/personal\/personal-savings\/\" target=\"_blank\" rel=\"noreferrer noopener\">amerantbank.com<\/a> and stay updated on the latest products and services with Amerant Bank. Find us on <a href=\"https:\/\/www.facebook.com\/AmerantBank\" target=\"_blank\" rel=\"noreferrer noopener\">Facebook<\/a>, <a href=\"https:\/\/twitter.com\/AmerantBank\" target=\"_blank\" rel=\"noreferrer noopener\">Twitter<\/a>, <a href=\"https:\/\/www.instagram.com\/amerantbank\" target=\"_blank\" rel=\"noreferrer noopener\">Instagram<\/a>, and <a href=\"https:\/\/www.linkedin.com\/company\/amerantbank\/\" target=\"_blank\" rel=\"noreferrer noopener\">LinkedIn<\/a>. Stay connected for tips, financial trends, the latest news, and special promotions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Regarding any special celebration, there is one question on everyone&#8217;s mind: What gifts should I give?&nbsp; Whether it\u2019s your kid or a close family friend you value, certificate of deposit gifts are a great choice. What exactly is a certificate of deposit, and how do they work?&nbsp; What is a Certificate of Deposit?&nbsp; A certificate &hellip;<\/p>\n","protected":false},"author":4569,"featured_media":1671,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_genesis_block_theme_hide_title":false,"footnotes":""},"categories":[4],"tags":[112,113,53],"wizard-purpose":[1969],"class_list":{"0":"post-1657","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-personal-finances","8":"tag-cds","9":"tag-certificate-of-deposits","10":"tag-personal-finances","11":"wizard-purpose-improving-my-personal-finances","13":"with-featured-image"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Certificate of Deposit Gifts: Guaranteed Returns\u00a0 | Of Interest by Amerant<\/title>\n<meta name=\"description\" content=\"Give your children financial security with certificate of deposit gifts. 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