What are the current interest rates at BankUnited?

Current rates for BankUnited include: 12-Month CD: 3.95%, Savings: 2.10%, MMA: 3.50%

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BankUnited Rates & Review August 2026

Q: How many branches does BankUnited operate?

BankUnited currently maintains approximately 55 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, BankUnited does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, BankUnited provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

BankUnited's 12-Months 12-Month CD rates are at 3.95%, 9-Months 9-Month CD rates are at 3.80%, 6-Months 6-Month CD rates are at 3.75%. BankUnited's savings rates are at 2.10%. BankUnited's money market rates are at 3.50%. MonitorBankRates evaluates the financial stability of BankUnited with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.40%. Rates last updated and verified on 08/28/2026.

BankUnited money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at BankUnited? Share your experience about BankUnited by leaving a review below, or read customer reviews before you decide to use BankUnited.

Overall Health & Safety Grade

A-

Very Good Health Score: 92/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

15.40%

Good Higher than avg

BankUnited, National Association

14817 Oak Ln
Miami Lakes, FL 33016

https://www.bankunited.com

BankUnited CD Rates

Product	Rate	APY	Term
12-Month CD	-	3.95%	12 months
Min Deposit $1,000 Details Advertised rate is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes interest earned remains on deposit until maturity. Early withdrawal penalty may apply if you withdraw any principal from the CD before the maturity date. Account fees could reduce earnings. Additional terms and conditions apply. Please refer to our Deposit Account Agreement and applicable Schedule of Fees for additional information. Offer cannot be combined with any other promotional rate, bonus rate or special rate offer. BankUnited reserves the right to cancel or modify this offer at any time. Rates are subject to change at any time and are not guaranteed until the CD is open. Please contact a BankUnited representative for additional details. CD will automatically renew at maturity into a standard CD closest in term to the initial term (which may be shorter or longer than the initial term) at the then current standard rate in effect at the time of renewal unless you instruct us otherwise. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.40%
9-Month CD	-	3.80%	9 months
Min Deposit $1,000 Details Promotional Rates Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.40%
6-Month CD	-	3.75%	6 months
Min Deposit $1,000 Details Promotional Rates Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.40%

BankUnited Savings Rates

Product	Rate	APY	View More
High Yield Savings	-	2.10%
Min Deposit $50 Details No monthly maintenance fee. Flexible access with no transaction limitations. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.40%

BankUnited Checking Rates

Product	Rate	APY
Vertical Rewards Premier Checking	0.25%	3.00%
Min Deposit $10,000 Min Balance $10,000 Details Qualifications Required: direct deposit via ACH; minimum of seven (7) additional qualifying banking services transactions; Introductory Period: APY for daily collected balances up to $250,000 may be a maximum of 3.00% APY, provided that a direct deposit via ACH has posted to the Account each statement cycle. If a direct deposit does not post, all daily collected balances up to $250,000 will earn the base interest rate of 0.25% APY. Balances greater than $250,000 are not eligible to earn interest or rewards. After Introductory Period: APY on daily collected balances up to $250,000 may range from 0.25% APY to 3.00% APY depending upon (i) a direct deposit via ACH, and (ii) a minimum of seven (7) additional qualifying banking services transactions post to your Account. If direct deposit and/or minimum qualifying services are not met, all daily collected balances up to $250,000 will earn the Base Interest Rate of 0.25% APY. Balances greater than $250,000 are not eligible to earn interest or rewards. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.40%
Vertical Rewards Premier Checking	-	0.25%
Min Deposit $10,000 Details Qualifications Required: Direct deposit via ACH; 4 to 6 qualifying banking transactions; Introductory Period: First 3 statement cycles. APYs stated herein are accurate as of 2/10/2025. Balances greater than $250,000 are not eligible to earn interest or rewards. A $20 monthly maintenance fee will be assessed if the average balance in the Account falls below $10,000 during a statement cycle. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.40%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for BankUnited is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather BankUnited rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with BankUnited's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name BankUnited

Bank Holding Company BANKUNITED INC

Address 14817 Oak Ln, Miami Lakes, FL 33016 · Miami-Dade

Website https://www.bankunited.com

FDIC Certificate # 58979

Established 05/21/2009

FDIC Insurance Date 05/21/2009

Domestic Offices 55

Total Branches 55

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 92/100

5.0

Exceptional Out of 5.0 Stars

15.40%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7138%

Return on Equity (ROE) 8.9100%

Non-Performing Loans (NPL) 1.29%

Total Assets $35,027,511,000

Total Deposits $29,611,980,000

Equity Capital $3,166,950,000

Net Income $313,639,000

Headquarters Miami Lakes

Total Branches and Offices 55

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About BankUnited

How many branches does BankUnited operate?

BankUnited currently maintains approximately 55 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, BankUnited does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, BankUnited provides members with tools to manage their accounts and build a solid financial history.

Does BankUnited offer online and mobile banking?

Most modern institutions like BankUnited provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankunited.com.