Certificates Of Deposit Features


Interest compounded and credited monthly

Account Access

24/7 online access with online and mobile banking


Fixed Rate
of Return

Member FDIC


High Rates You Can Bank On

12-Month Online CD

4.25% APY*

$1,000 minimum deposit


  • Automatic renewal at maturity
  • 24/7 access to your account online
  • Guaranteed returns
  • FDIC-insured
  • Interest compounded daily


Open An Account

More Great Rates Available

Choose the CD that’s right for you and be on your way to earning more.
That’s better banking with your interest in mind.

12-Month Online CD

4.25% APY*

Online CD

0.10% APY*

Online CD

0.05% APY*

Frequently Asked Questions

BankUnitedDirect accounts are insured up to the maximum limits through the Federal Deposit Insurance Corporation (FDIC). Because BankUnitedDirect is a division of BankUnited, N.A., deposits held in BankUnitedDirect are added together with deposits held directly with BankUnited, N.A. for determining FDIC coverage. If you want to learn more about FDIC insurance limits, click here.

Accounts typically require a minimum deposit based on the product type. Currently, our minimum opening deposits are:

  • Certificates of Deposit: $1,000
  • Money Market: $2,500

You will need the following information to complete an online application:

  • A valid social security number
  • A valid U.S. ID (driver’s license or government-issued photo ID)
  • Your primary contact information including physical address, telephone number and email address
  • Your account number and routing number from the external bank you will use to fund your BankUnitedDirect account
More Faqs