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 October 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: October 7, 2026

BankUnited's top rates as of October 7, 2026 are 3.95% APY on its 12-Month 12-Month CD, 3.50% APY on money market accounts, and 3.00% APY on checking, according to rates verified by MonitorBankRates. Other BankUnited CD rates include 9-Month CD at 3.80%, and 6-Month CD at 3.75%. MonitorBankRates evaluates the financial stability of BankUnited with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.17%. Rates last updated and verified on 10/07/2026.

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 Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.17%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

BankUnited, National Association

14817 Oak Ln
Miami Lakes, FL 33016

https://www.bankunited.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

BankUnited CD Rates

Product	Rate	APY	Term
12-Month CD	-	3.95%	12 Month
Min Deposit $1,000 Details Lock in your earnings with fixed-rate CD accounts designed to deliver predictable returns. With flexible CD terms ranging from months to years, you can choose the option that aligns with your financial timeline while taking advantage of some of the best CD rates available. The minimum opening deposit is $1,000, and all CDs are backed by FDIC insurance up to the maximum amount allowed by law. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.17%
9-Month CD	-	3.80%	9-Month
Min Deposit $1,000 Details Promotional Rates Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.17%
6-Month CD	-	3.75%	6-Month
Min Deposit $1,000 Details Promotional Rates Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.17%

BankUnited Checking Rates

Product	Rate	APY
Vertical Rewards Premier Checking	-	3.00%
Min Deposit $10,000 Min Balance $250,000 Details Qualifications Required: Direct deposit via ACH; 7 or more qualifying banking transactions; Introductory Period: 3 months; After 3 months, APY ranges from 0.25% to 3.00% based on direct deposit and 7+ qualifying transactions. Balances over $250,000 do not earn interest. Base Interest Rate: 0.25% APY. Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.17%
Vertical Rewards Premier Checking	-	0.25%
Min Deposit $10,000 Details Base interest rate for daily collected balances up to $250,000 when direct deposit is not posted during a statement cycle in the Introductory Period, or when direct deposit and 7 qualifying transactions are not met after the Introductory Period. Balances over $250,000 do not earn interest or rewards. Interest rate is variable and may change at any time. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 0.25% ▼ 2.75 pts · high 3.00% / low 0.25% Sep 18, 20260.25%▼ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.17%

BankUnited Other Rates

Product	Rate	Points	APY/APR	Term	View More
Promotional Money Market Account	-	-	3.50%	6 months
Min Deposit $2,500 Details Promotional APY of 3.50% applies for the first six (6) months following account opening. After the promotional period, the account will automatically convert to the Bank's standard Money Market account and earn the then-current variable APY, which may change at any time at the Bank's discretion. For Consumer Accounts Only. 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 10/07/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.17%

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 rose from 3.35% in Q3 2023 to 6.17% in Q2 2026, so its financial health has held steady at a healthy level 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	6.17%	5.0	A
March 31, 2026	$35.3B	7.63%	5.0	A
December 31, 2025	$35.0B	10.65%	5.0	A
September 30, 2025	$35.1B	10.73%	5.0	A
June 30, 2025	$35.4B	10.97%	5.0	A
March 31, 2025	$34.8B	7.18%	5.0	A
December 31, 2024	$35.2B	6.79%	5.0	A
September 30, 2024	$35.8B	5.90%	5.0	A+
June 30, 2024	$35.4B	4.21%	5.0	A+
March 31, 2024	$35.1B	2.45%	5.0	A+
December 31, 2023	$35.7B	2.82%	5.0	A+
September 30, 2023	$35.3B	3.35%	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: 97/100

5.0

Exceptional Out of 5.0 Stars

6.17%

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

Q2 2026 MBR Health & Safety Badge

BankUnited earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/bankunited-rates-review">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

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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.