What are the current interest rates at BankUnited?

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

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BankUnited Rates & Review September 2026

Q: How many branches does BankUnited operate?

BankUnited currently maintains approximately 57 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: September 18, 2026

BankUnited's 12-Month CD rates are at 3.95%, 9-Month CD rates are at 3.80%, 6-Month CD rates are at 3.75%. 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 12.74%. Rates last updated and verified on 09/18/2026.

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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.74%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

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-Month
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. Interest rates and APYs displayed are available only for accounts opened in a BankUnited branch. 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 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.74%
9-Month CD	-	3.80%	9-Month
Details Promotional Rate Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.74%
6-Month CD	-	3.75%	6-Month
Details Promotional Rate Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.74%

BankUnited Checking Rates

Product	Rate	APY
Vertical Rewards Premier Checking	-	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 post to your Account; Earn rewards up to 3.00% APY on qualifying transactions; $20 monthly maintenance fee - Avoid monthly fee by maintaining $10,000 or more minimum daily balance; VISA Debit Card; Bank on the go with online & mobile banking; An interest-bearing account with premium benefits Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.74%
Vertical Rewards Premier Checking	-	3.00%
Min Deposit $10,000 Details Qualifications Required: Direct deposit via ACH; 7 or more qualifying banking transactions; Introductory Period: Earn 3.00% APY on daily collected balances up to $250,000 for the first 3 statement cycles with a direct deposit. After introductory period, APY ranges from 0.25% to 3.00% based on direct deposit and 7+ qualifying transactions. Balances over $250,000 do not earn interest. $20 monthly maintenance fee if average balance falls below $10,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.74%
Vertical Rewards Premier Checking	-	0.25%
Min Deposit $10,000 Details Base Interest Rate. Earns 0.25% APY on daily collected balances up to $250,000 if direct deposit is not posted or qualifying transactions are not met during a statement cycle. Balances over $250,000 do not earn interest. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.74%

BankUnited Other Rates

Product	Rate	Points	APY/APR	Term	View More
Promotional Money Market Account	-	-	3.50%	6 months
Min Deposit $2,500 Details Guaranteed for 6 months ON ALL BALANCES. For Consumer Accounts Only. After the promotional period, the account will automatically convert to the Bank's standard Money Market account and earn the then-current variable APY in effect for that account. Fees may reduce earnings. Additional terms and conditions apply. This promotional Money Market Account is available to new clients who have never held an account with BankUnited, N.A., or to existing clients who deposit new funds not currently on deposit with us. New funds are funds not currently on deposit with BankUnited and not transferred from another BankUnited account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.74%

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.

Financial Health History

BankUnited’s Texas Ratio fell from 15.40% in Q3 2023 to 12.74% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A- to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$34.9B	12.74%	5.0	A
March 31, 2026	$35.3B	14.92%	5.0	A-
December 31, 2025	$35.0B	16.95%	4.8	B+
September 30, 2025	$35.1B	17.17%	4.8	B+
June 30, 2025	$35.4B	18.39%	4.7	B+
March 31, 2025	$34.8B	16.07%	4.9	A-
December 31, 2024	$35.2B	14.92%	5.0	A-
September 30, 2024	$35.8B	14.07%	5.0	A-
June 30, 2024	$35.4B	12.61%	5.0	A
March 31, 2024	$35.1B	12.12%	5.0	A
December 31, 2023	$35.7B	13.61%	5.0	A
September 30, 2023	$35.3B	15.40%	5.0	A-

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 20090521

FDIC Insurance Date 20090521

Domestic Offices 58

Total Branches 57

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

12.74%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8661%

Return on Equity (ROE) 9.5500%

Non-Performing Loans (NPL) 1.16%

Total Assets $34,864,976,000

Total Deposits $29,091,654,000

Equity Capital $3,181,503,000

Net Income $151,899,000

Headquarters Miami Lakes

Total Branches and Offices 58

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

BankUnited earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About BankUnited

How many branches does BankUnited operate?

BankUnited currently maintains approximately 57 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.