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    Home / Personal / Personal Savings / Certificates of Deposits (CDs)

    Certificates of Deposit

    Certificate of Deposit accounts with fixed rates and flexible terms.

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

    See Our 15-Month CD Offer.
    No monthly service fee. Early withdrawal penalties apply.2, 4

    View Current Interest Rates
    $10,000
    Open Now

    Certificate of Deposit Benefits

    Risk-Free

    CDs are FDIC-insured up to $250,000 and come with no market risk.

    Flexible Terms

    Terms between 3 to 60 months.

    Fixed Rates

    Guaranteed fixed rate for the length of your term.1

    24/7 Banking

    Access account info and set up alerts with online and mobile banking.

    Fast and Easy

    Apply online in minutes with a minimum of $10,000.

    Opening a Certificate of Deposit Account

    Here’s how you can set up your CD.

    1
    Step One

    Start an online application

    2
    Step Two

    Submit any required documentation

    3
    Step Three

    Get approved and start saving

    Open Now

    Find the Right CD

    Apply Now

    FL Residents

    Apply Now

    TX Residents

    Apply Now

    Non FL/TX Residents

    Your FAQs About Certificate of Deposit Accounts

    A great savings experience with market-leading rates. A long history that reflects a strong reputation and dedication to client relationships.

    Our CDs offer higher fixed interest rates compared to other similar accounts.

    A minimum $10,000 balance is required to open a CD.

    Yes. Enjoy the flexibility of choosing fixed-term rates ranging from 3 to 60 months.1

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

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

    See MoreLess

    Certificates of Deposit

    Florida

    Balance APY*
    3 Months 1.50%
    6 Months 1.50%
    9 Months 1.50%
    12 Months 3.75%
    15 Months 2.25%
    18 Months 2.25%
    24 Months 2.75%
    36 Months 2.75%
    48 Months 2.75%
    60 Months 2.75%

    *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 03/07/2023. To take advantage of this offer, CD must be opened commencing 10/21/2022 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 10/21/2022. To take advantage of this offer, CD must be opened commencing 10/21/2022 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.

    Texas

    Balance APY*
    3 Months 1.50%
    6 Months 1.50%
    9 Months 1.50%
    12 Months 3.75%
    15 Months 2.25%
    18 Months 2.25%
    24 Months 2.75%
    36 Months 2.75%
    48 Months 2.75%
    60 Months 2.75%

    *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 03/07/2023. To take advantage of this offer, CD must be opened commencing 10/21/2022 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 10/21/2022. To take advantage of this offer, CD must be opened commencing 10/21/2022 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.

    Other

    Balance APY*
    12 Months 3.75%
    18 Months 2.25%
    24 Months 2.75%
    36 Months 2.75%
    48 Months 2.75%
    60 Months 2.75%

    Domestic accounts only. Annual percentage yield (APY) is accurate as of 03/07/2023. To take advantage of this offer, CD must be opened via online account opening commencing 10/21/2022 with new funds deposited to Amerant Bank N.A. 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.

    Select your state

    Open Now
    Open Now
    Open Now

    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 fees related to this service, review our Miscellaneous Service Fees for Domestic Accounts and Miscellaneous Service Fees for International Accounts.

    4 Early withdrawal penalties apply to CDs. For additional fees related to these accounts, please refer to our Miscellaneous Service Fees for personal, commercial, and corporate accounts. 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.

    For accounts opened at an Amerant Bank Banking Center location: Annual Percentage Yield (APY) is accurate as of 10/21/2022. To take advantage of this offer, CD must be opened commencing 10/21/2022 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 10/21/2022. To take advantage of this offer, CD must be opened commencing 10/21/2022 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 $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, Funds Transfer Agreement and contract.

    Customers who request wire transfers through an Account Officer, should download the new wire transfer “Wire Transfer Form” and Electronic Signature Agreement (E-sign Agreement) 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 Miscellaneous Service Fees for Domestic Accounts and Miscellaneous Service Fees for International Accounts.

    Understanding Your Deposits

    IMPORTANT FUNDS AVAILABILITY INFORMATION

    Please review Amerant’s Understanding Your Deposit brochure.

    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.

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    The entire contents of this website are subject to copyright protection. The content available on this Website is the property of Amerant Bank, N.A., Amerant Investments, Inc., Amerant Trust, N.A. or its licensors and is protected by copyright and other intellectual property laws in the United States of America and by international copyright laws.

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    Banking products and services are provided by Amerant Bank, N.A. Member FDIC. Equal Housing Lender – NMLS ID #432244.
    Investment services are provided by Amerant Investments, Inc., an SEC registered broker-dealer and investment advisor, member of FINRA and SIPC.

    Rule 606 Disclosure of Order Routing Practices.

    Investments are Not FDIC or any other Government Agency Insured | Are Not Bank Guaranteed | May lose value

    Trust services offered through Amerant Trust, N.A. and are limited to trust administration.


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