^* Domestic accounts only. The advertised rate applies only in the state of Florida.

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 additional fees, please refer to our Schedule of Fees.

³ You may make no more than six preauthorized withdrawals, automatic or telephone transfers, checks, drafts, and debit card or other similar transactions from your account per statement cycle.

⁴ Early withdrawal penalties apply to CDs. 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.

CD rates terms:

For accounts opened at an Amerant Bank Banking Center location: Annual Percentage Yield (APY) is accurate as of 11/25/2025. To take advantage of this offer, CD must be opened commencing 11/25/2025 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 11/25/2025. To take advantage of this offer, CD must be opened commencing 11/25/2025 with new funds deposited to 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.

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.

Important Notice Regarding Wire Transfers

IF WE DO NOT HAVE YOUR FUNDS TRANSFER AGREEMENT IN OUR FILES, WE WILL NOT BE ABLE TO EXECUTE TRANSFERS. We value our relationship and it is important for us to safeguard your privacy and ensure that your funds are protected against fraudulent activity at all times. For this reason, we are providing you a link to our Electronic Funds Transfers Disclosure. Customers who request wire transfers through an Account Officer, should download the new wire transfer “Wire Transfer Form” to authorize this type of transaction. The E-sign Agreement will only need to be signed the first time a wire transfer is initiated. For fees related to this service, review our Schedule of Fees.

Deposit Agreement

Please review Amerant’s Deposit Agreement.

Important Information Related to the W-8 Form

The IRS implemented different W-8 forms for individuals and entities. For more detailed information regarding the W-8BEN and W-8BEN-E, visit www.irs.gov. Please complete the form(s) below:

1. W-8 for Individuals (Personal Accounts W-8BEN) In accordance with U.S. Internal Revenue Service – IRS regulations, the Bank is obligated to withhold taxes on U.S. interest to foreign customers unless it has received a properly completed Substitute Form W-8BEN “Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding” from the customer. All Substitute Forms W-8BEN are registered and maintained in the Bank’s files. Please follow the link to the Substitute Form W-8BEN.
2. Explanation of US Mailing Address. Please follow the link to the Form.
3. Send all documentation to: documentos@amerantbank.com. Add copy of unexpired government issued ID for every beneficial owner.

Know Your Customer

Managing a successful Know Your Customer (KYC) Program is a requirement of the U.S. banking system. Learn More.

Funds Availability Policy

For details on when your deposited funds will be available, view our Funds Availability Policy here.