# Amerant Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/amerant-bank
Institution: Amerant Bank, National Association (FDIC 22953)
Aliases: 
Status: live
Last verified: 2026-10-23T11:30:32.000Z (October 23, 2026)
Official source: https://www.amerantbank.com/products/personal/personal-savings/certificates-of-deposits/
Coverage: 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.
Treasury comparison date: 2026-10-22. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 3 months | $500 | 3.00% | Not ZIP-priced | −1.26% | 2026-10-23T11:30:32.000Z | [Snapshot 995](https://apyledger.com/snapshots/995) |
| Certificate of Deposit | standard | 6 months | $500 | 3.50% | Not ZIP-priced | −0.84% | 2026-10-23T11:30:32.000Z | [Snapshot 995](https://apyledger.com/snapshots/995) |
| Certificate of Deposit | standard | 9 months | $500 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-23T11:30:32.000Z | [Snapshot 995](https://apyledger.com/snapshots/995) |
| Certificate of Deposit | promotional | 12 months | $10,000 | 4.25% | Not ZIP-priced | −0.21% | 2026-10-23T11:30:32.000Z | [Snapshot 995](https://apyledger.com/snapshots/995) |
| Certificate of Deposit | promotional | 15 months | $10,000 | 4.50% | Not ZIP-priced | −0.02% | 2026-10-23T11:30:32.000Z | [Snapshot 995](https://apyledger.com/snapshots/995) |
| Certificate of Deposit | standard | 18 months | $500 | 2.50% | Not ZIP-priced | −2.08% | 2026-10-23T11:30:32.000Z | [Snapshot 995](https://apyledger.com/snapshots/995) |
| Certificate of Deposit | standard | 24 months | $500 | 2.50% | Not ZIP-priced | −2.20% | 2026-10-23T11:30:32.000Z | [Snapshot 995](https://apyledger.com/snapshots/995) |
| Certificate of Deposit | standard | 36 months | $500 | 2.50% | Not ZIP-priced | −2.28% | 2026-10-23T11:30:32.000Z | [Snapshot 995](https://apyledger.com/snapshots/995) |
| Certificate of Deposit | standard | 48 months | $500 | 2.50% | Not ZIP-priced | −2.31% | 2026-10-23T11:30:32.000Z | [Snapshot 995](https://apyledger.com/snapshots/995) |
| Certificate of Deposit | standard | 60 months | $500 | 2.50% | Not ZIP-priced | −2.34% | 2026-10-23T11:30:32.000Z | [Snapshot 995](https://apyledger.com/snapshots/995) |

Early withdrawal penalty, quoted from https://apyledger.com/snapshots/995 (read 2026-10-23T11:30:32.000Z):

> 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.

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.