Bank · FDIC insured
Amerant Bank CD Rates
Amerant Bank’s best CD rate is 4.50% APY on a 15-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Amerant Bank’s CD rates compare
Compared with banks and credit unions near Miami, FL, where Amerant Bank has the most branches. $10,000, best rate first.
This bank’s best
Amerant Bank
4.50%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $566
Certificates of Deposit
Top rate
Dort Financial Credit Union
5.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $457
2nd-highest rate
BrightStar Credit Union
5.00%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $2,763
Amerant Bank CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Amerant Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.50%APY · 10 terms
Advertised rates apply only in the state of Florida for domestic accounts. CD must be opened with new funds deposited into Amerant Bank. For accounts opened at a Banking Center location: minimum balance to open and obtain APY is $10,000 up to a maximum of $500,000. For accounts opened online: minimum balance to open and obtain APY is $500 up to a maximum of $250,000. Individual customers must be U.S. citizens or resident aliens with a valid U.S. Taxpayer Identification Number. No monthly service fee. Early withdrawal penalties apply.
| Term | APY · $500 – $500,000 | APY · $10,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsAdvertised rate applies in Florida for domestic personal accounts. Minimum opening balance is $500 online (max $250,000) or $10,000 at a branch (max $500,000) with new funds | 3.00% | — | 3.00% | $74 |
| 6 monthsAdvertised rate applies in Florida for domestic personal accounts. Minimum opening balance is $500 online (max $250,000) or $10,000 at a branch (max $500,000) with new funds | 3.50% | — | 3.50% | $173 |
| 9 monthsAdvertised rate applies in Florida for domestic personal accounts. Minimum opening balance is $500 online (max $250,000) or $10,000 at a branch (max $500,000) with new funds | 3.50% | — | 3.50% | $261 |
| 12 monthsPromotional CD offer valid for Florida residents. Must open account by 2026-11-10 to get promotional rate. Minimum $10,000 deposit and balance from external source required. Maximum deposit $250,000 per account ($500,000 per customer). Account must be opened online or in-branch. Personal accounts only. 10-day rate guarantee | — | 4.25% | 4.25% | $425 |
| 15 monthsPromotional CD offer valid for Florida residents. Must open account by 2026-11-10 to get promotional rate. Minimum $10,000 deposit and balance from external source required. Maximum deposit $250,000 per account ($500,000 per customer). Account must be opened online or in-branch. Personal accounts only. 10-day rate guarantee | — | 4.50% | 4.50% | $566 |
| 18 monthsAdvertised rate applies in Florida for domestic personal accounts. Minimum opening balance is $500 online (max $250,000) or $10,000 at a branch (max $500,000) with new funds | 2.50% | — | 2.50% | $377 |
| 24 monthsAdvertised rate applies in Florida for domestic personal accounts. Minimum opening balance is $500 online (max $250,000) or $10,000 at a branch (max $500,000) with new funds | 2.50% | — | 2.50% | $506 |
| 36 monthsAdvertised rate applies in Florida for domestic personal accounts. Minimum opening balance is $500 online (max $250,000) or $10,000 at a branch (max $500,000) with new funds | 2.50% | — | 2.50% | $769 |
| 48 monthsAdvertised rate applies in Florida for domestic personal accounts. Minimum opening balance is $500 online (max $250,000) or $10,000 at a branch (max $500,000) with new funds | 2.50% | — | 2.50% | $1,038 |
| 60 monthsAdvertised rate applies in Florida for domestic personal accounts. Minimum opening balance is $500 online (max $250,000) or $10,000 at a branch (max $500,000) with new funds | 2.50% | — | 2.50% | $1,314 |
Sources (2)
All captured Oct 9, 2026
Special-purpose accounts
IRA CD Account
Up to 3.50%APY · 6 terms
Available as Traditional IRA, Roth IRA, SIMPLE IRA, and SEP accounts. Must be opened commencing as of stated term dates with new funds deposited from another institution to Amerant Bank. Individual customers must be citizens or resident aliens of the U.S. with a valid U.S. Taxpayer Identification Number. No monthly service fee. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMust be opened with new funds deposited from another institution to Amerant Bank. Individual customers must be U.S. citizens or resident aliens with a valid U.S. TIN | 3.50% | $350 |
| 15 monthsMust be opened with new funds deposited from another institution to Amerant Bank. Individual customers must be U.S. citizens or resident aliens with a valid U.S. TIN | 2.50% | $313 |
| 24 monthsMust be opened with new funds deposited from another institution to Amerant Bank. Individual customers must be U.S. citizens or resident aliens with a valid U.S. TIN | 2.50% | $506 |
| 36 monthsMust be opened with new funds deposited from another institution to Amerant Bank. Individual customers must be U.S. citizens or resident aliens with a valid U.S. TIN | 2.50% | $769 |
| 48 monthsMust be opened with new funds deposited from another institution to Amerant Bank. Individual customers must be U.S. citizens or resident aliens with a valid U.S. TIN | 2.50% | $1,038 |
| 60 monthsMust be opened with new funds deposited from another institution to Amerant Bank. Individual customers must be U.S. citizens or resident aliens with a valid U.S. TIN | 2.50% | $1,314 |
Sources (1)
- amerantbank.com/products/perso…/personal-savings/ira-cd · captured Oct 9, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.