International Certificates of Deposits (CDs) | Amerant Bank
A couple reviews International CD rates online from home.

International Certificate of Deposit6 (CD)

Grow your savings with guaranteed returns on a High-Yield CD and flexible terms.

Amerant offers international Certificate of Deposit (CD) accounts that guarantee a return on your savings with high-yield fixed rates and flexible terms. Apply with a minimum of $10,000, and choose from terms of 3 to 60 months.
$10,000

Maximize Your Goals With an Amerant CD

Deposits are FDIC Insured

CDs are FDIC insured and come with no market risk.

Monitor From Anywhere

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

Limited-Time Offer

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

Amerant Protection+

Amerant Bank is now offering ICS, the lntraFi Cash Service. Access millions in FDIC insurance at network banks.

The welcoming lobby interior of an Amerant Banking Center.

Opening a Certificate of Deposit Account

Getting started is simple.

1
Option One

Visit a nearby branch to speak with one of our banking specialists
2
Option Two

Call our customer call center at (305)629-1200 to see if you qualify.

Your FAQs About International Certificates of Deposit

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, and among the top 2% of banks in the nation ranked by asset size, Amerant Bank, N.A. carries some weight.

The minimum opening deposit is a $10,000 balance.

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

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.

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We calculate all early withdrawal penalties on the principal amount withdrawn at the interest rate in effect on the account on the withdrawal date.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 monthly interest may be compounded within the CD or paid to an Amerant Bank account.

Yes. Deposits up to $250,000 are FDIC insured.

The Latest in International

From the Of Interest Blog

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.

6 For additional information and terms related to Certificate of Deposits (CDs), please refer to the Rate Chart provided at account opening.

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.

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