Bank · FDIC insured
BankUnited CD Rates
BankUnited’s best CD rate is 3.95% APY on a 1-year CD. Terms run from 6 months to 1 year. Rates checked October 15, 2026.
How BankUnited’s CD rates compare
Compared with banks and credit unions near Miami, FL, where BankUnited has the most branches. $10,000, best rate first.
This bank’s best
BankUnited
3.95%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $395
Certificate 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
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 3.95%APY · 3 terms
Minimum opening deposit is $1,000; maximum opening deposit is $250,000 per CD. Advertised promotional rates are for accounts opened online. Early withdrawal penalties apply. At maturity, CDs automatically renew into the standard CD term closest in length at the then-current standard rate unless instructions are provided during the 7-day grace period. No account fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPromotional rate for online accounts. Fixed for initial term. Automatically renews into standard rate closest in length at maturity | 3.75% | $186 |
| 6 monthsStandard rate applied at renewal | 2.25% | $112 |
| 9 monthsPromotional rate for online accounts. Fixed for initial term. Automatically renews into standard rate closest in length at maturity | 3.80% | $284 |
| 9 monthsStandard rate applied at renewal | 2.30% | $172 |
| 12 monthsPromotional rate for online accounts. Fixed for initial term. Automatically renews into standard rate closest in length at maturity | 3.95% | $395 |
| 12 monthsStandard rate applied at renewal | 2.45% | $245 |
Sources (1)
- bankunited.com/personal/saving…cate-of-deposit-accounts · captured Sep 18, 2026
Special-purpose accounts
IRA CD
Up to 3.95%APY · 3 terms
At maturity, IRA CDs automatically renew into the standard term closest in length to the initial term at the current standard rate in effect at renewal unless instructions are given during the 7-day grace period. Early withdrawal penalties apply. No account fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPromotional rate. Fixed for initial term. Automatically renews into standard rate closest in length at maturity | 3.75% | $186 |
| 6 monthsStandard rate applied at renewal | 2.25% | $112 |
| 9 monthsPromotional rate. Fixed for initial term. Automatically renews into standard rate closest in length at maturity | 3.80% | $284 |
| 9 monthsStandard rate applied at renewal | 2.30% | $172 |
| 12 monthsPromotional rate. Fixed for initial term. Automatically renews into standard rate closest in length at maturity | 3.95% | $395 |
| 12 monthsStandard rate applied at renewal | 2.45% | $245 |
Sources (1)
- bankunited.com/personal/saving…cate-of-deposit-accounts · captured Sep 18, 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.