Amerant Bank CD Rates — October 2026
As of October 23, 2026, Amerant Bank's highest tracked CD rate is 4.50% APY on a 15-month promotional CD ($10,000 minimum). That is 2.6 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.50% to 3.50% APY.
Tracking began .
Amerant Bank CD rates
Online personal CD quotes for Florida residents only. New funds required; ordinary terms open with $500, while the 12- and 15-month promotional offers require $10,000. Deposit caps and promotional deadlines apply. Early withdrawal penalties may apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.50% APY (15 months). The standard rate for a similar term is 2.50% APY (18 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $200 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What is the early withdrawal penalty at Amerant Bank?
For CDs with terms of 3 months up to 12 months, the penalty is an amount equal to 90 days interest on the amount withdrawn, at the simple interest rate applicable to the Time Deposit, regardless of whether the funds withdrawn have remained on deposit for more or less than the 90 days;
For CDs with terms over 12 months up to 60 months, the penalty is an amount equal to 180 days interest on the amount withdrawn, at the simple interest rate applicable to the Time Deposit, regardless of whether the funds withdrawn have remained on deposit for more or less than the 180 days; and
For CDs with terms over 60 months or longer, the penalty is an amount equal to 365 days interest on the amount withdrawn, at the simple interest rate applicable to the Time Deposit, regardless of whether the funds withdrawn have remained on deposit for more or less than the 365 days.
Quoted word for word from the rate page we read on October 23, 2026. Penalties can differ by product, and some are taken from principal when too little interest has been earned; confirm in the account disclosure before opening.
What are Amerant Bank's best CD rates by term?
Amerant Bank's best rate is 4.50% APY on 15 months, verified October 23, 2026.
- 3 mo3.00%
- 6 mo3.50%
- 9 mo3.50%
- 12 mo4.25%
- 15 mo4.50%
- 18 mo2.50%
- 24 mo2.50%
- 36 mo2.50%
- 48 mo2.50%
- 60 mo2.50%
How much interest could a Amerant Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$565.31 interest · $10,565.31 at maturity on $10,000.00.
4.50% APY · 15 months · Certificate of Deposit · Promotional · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $36.983.00% APY · Certificate of Deposit · Standard | $73.973.00% APY · Certificate of Deposit · Standard | $184.923.00% APY · Certificate of Deposit · Standard | $369.833.00% APY · Certificate of Deposit · Standard |
| 6 months | $86.993.50% APY · Certificate of Deposit · Standard | $173.973.50% APY · Certificate of Deposit · Standard | $434.943.50% APY · Certificate of Deposit · Standard | $869.873.50% APY · Certificate of Deposit · Standard |
| 9 months | $130.803.50% APY · Certificate of Deposit · Standard | $261.613.50% APY · Certificate of Deposit · Standard | $654.023.50% APY · Certificate of Deposit · Standard | $1,308.053.50% APY · Certificate of Deposit · Standard |
| 12 months | Not estimated | $425.004.25% APY · Certificate of Deposit · Promotional | $1,062.504.25% APY · Certificate of Deposit · Promotional | $2,125.004.25% APY · Certificate of Deposit · Promotional |
| 15 months | Not estimated | $565.314.50% APY · Certificate of Deposit · Promotional | $1,413.284.50% APY · Certificate of Deposit · Promotional | $2,826.554.50% APY · Certificate of Deposit · Promotional |
| 18 months | $188.842.50% APY · Certificate of Deposit · Standard | $377.692.50% APY · Certificate of Deposit · Standard | $944.212.50% APY · Certificate of Deposit · Standard | $1,888.432.50% APY · Certificate of Deposit · Standard |
| 24 months | $253.132.50% APY · Certificate of Deposit · Standard | $506.252.50% APY · Certificate of Deposit · Standard | $1,265.622.50% APY · Certificate of Deposit · Standard | $2,531.252.50% APY · Certificate of Deposit · Standard |
| 36 months | $384.452.50% APY · Certificate of Deposit · Standard | $768.912.50% APY · Certificate of Deposit · Standard | $1,922.272.50% APY · Certificate of Deposit · Standard | $3,844.532.50% APY · Certificate of Deposit · Standard |
| 48 months | $519.062.50% APY · Certificate of Deposit · Standard | $1,038.132.50% APY · Certificate of Deposit · Standard | $2,595.322.50% APY · Certificate of Deposit · Standard | $5,190.642.50% APY · Certificate of Deposit · Standard |
| 60 months | $657.042.50% APY · Certificate of Deposit · Standard | $1,314.082.50% APY · Certificate of Deposit · Standard | $3,285.212.50% APY · Certificate of Deposit · Standard | $6,570.412.50% APY · Certificate of Deposit · Standard |
How Amerant Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 456-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 2 of 90 tracked institutions with fresh 456-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Amerant Bank (this institution)Certificate of Deposit · Promotional | 15 months | $10,000 | Branches in FL | 4.50% | October 23, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 15 months | $2,500 | Available nationwide | 4.50% | October 22, 2026 |
| BCU (Baxter Credit Union)New Money CD Specials - Regular · Promotional | 15 months | Not stated | Membership required · branches in 15 states | 4.30% | October 22, 2026 |
| Synchrony BankCD · Standard | 15 months | Not stated | Available nationwide | 4.30% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 15 months | $5,000 | Membership required · branches in WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 15 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.52% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking Amerant Bank on October 23, 2026.
About Amerant Bank
- Legal name
- Amerant Bank, National Association
- Regulator ID
- FDIC 22953
- Headquarters
- Coral Gables, FL
- Available in
- FL
- Total assets
- $10.3 billion
- Also known as
- Website
- www.amerantbank.com
Source: rates read from https://www.amerantbank.com/products/personal/personal-savings/certificates-of-deposits/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Amerant Bank?
Among the rates we track, 4.50% APY on a 15-month promotional CD, as of October 23, 2026.
What is the minimum deposit for a Amerant Bank CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $10,000.
How does Amerant Bank's best CD rate compare with Treasury yields?
4.50% APY is −0.02% versus the 15-month Treasury yield of 4.52% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 2.6 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Amerant Bank CDs insured?
Amerant Bank is an FDIC-insured bank (FDIC 22953). Deposits are insured up to $250,000 per depositor, per ownership category.
What is the early withdrawal penalty for a Amerant Bank CD?
Amerant Bank's rate page states: “For CDs with terms of 3 months up to 12 months, the penalty is an amount equal to 90 days 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 the 90 days;” “For CDs with terms over 12 months up to 60 months, the penalty is an amount equal to 180 days 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 the 180 days; and” “For CDs with terms over 60 months or longer, the penalty is an amount equal to 365 days 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 the 365 days.” Check the account disclosure for the product you open.
How often is this page updated?
We check Amerant Bank's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from Amerant Bank's website and may change at any time. Confirm terms, minimums and eligibility with Amerant Bank before opening an account. This page is not financial advice.