PERSONAL SAVINGS, MONEY MARKET AND CD ACCOUNTS
MAKE YOUR MONEY WORK FOR YOU
If you’re looking for flexibility while still earning interest at market-based rates, we offer a variety of savings accounts that offer the best of both.
Value Savings
Classic Kid Savings
Value Savings
Want to start saving but don’t know where to begin? The Value Savings account offers you a low minimum balance requirement and a low monthly maintenance fee.
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Classic Kids Savings
It’s never too early to teach your children the importance of saving and managing money. With our Classic Kids Savings Account, they’ll have a safe place to keep their money, and you’ll be able to keep an eye on things as you watch their funds grow over time.
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Online Money Market
Take your savings to the next level with the Online Money Market account.
From building emergency savings to long-term planning, you’ll be able to confidently achieve your financial goals.
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Certificate of Deposit
Whether you’re looking to invest for a few months or a few years, we offer a variety of certificate of deposit (CD) options and term lengths to match your needs and goals. The minimum opening deposit is $1,000, and all CDs offer a fixed rate of return. Our CDs are backed by the security of FDIC insurance up to the maximum amount allowed by law.
Standard Rates
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 Value Savings
|  Classic Kids
Savings
|  Online
Money Market
|  Certificate of Deposit
| |
|---|---|---|---|---|
Minimum Opening Deposit | ||||
Minimum Opening Deposit | $50 | $10 | $2,500 | $1,000 |
Earns Interest | ||||
Earns Interest | Variable Rate | Variable Rate | Variable Rate | Fixed Rate |
Monthly Maintenance Fee | ||||
Monthly Maintenance Fee | $5 | $0 | $15 | No |
Ways to Avoid Monthly Fee | ||||
Ways to Avoid Monthly Fee | Maintain a minimum daily balance of $300 in the Account during each statement cycle | Monthly fee is waived until the child reaches 18 years of age | Maintain a minimum daily balance of $2,500 in the Account during each statement cycle | No |
BankUnited ATM/Debit Card | ||||
BankUnited ATM/Debit Card | ATM Card – Yes Debit Card – only can be added to a debit card as a secondary account; the primary account must be a checking account. | No | Yes | No |
Value Savings Account Details
- $50 minimum opening deposit
- $5 monthly maintenance fee
- Transaction limits may apply 2
- BankUnited customers enjoy free ATM transactions at all BankUnited and Allpoint ATM locations 3
To avoid the monthly maintenance fee:
- Maintain a minimum daily balance of $300 in the Account during each statement cycle
Classic Kids Savings Account Details
- $10 minimum opening deposit
- Transaction limits may apply 2
- No monthly maintenance fee (waived until the child reaches 18 years of age)
- This account is designed for children 17 and under
- The Classic Kids Savings Account must be opened as a joint account with the child’s parent, relative or guardian
- Annual Percentage Yield (APY) is accurate as of today. Advertised rate is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes interest earned remains on deposit until maturity. CD minimum opening deposit of $1,000 required. 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 Depositor's 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 length 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.
- Transaction Limitations – We may limit certain types of withdrawals and transfer transactions you may make from a savings or money market account to a maximum combined total of six (6) per month or monthly statement cycle. ATM or in-person withdrawals/transfers are not included in these transaction limitations. An Excessive Transaction Fee may be assessed for each transaction in excess of these limitations. Please refer to your Depositor’s Agreement for additional details.
- This account may be subject to limitations on the number of withdrawals and transfers per monthly statement cycle. ATM or in-person withdrawals/transfers are not included in these transaction limitations. An excessive transaction fee may be assessed for each transaction in excess of these limitations. Please see your account disclosures for additional information A $2.50 fee will be charged for each transaction performed at a non-proprietary ATM that is not within the Allpoint Network. Fees charged by the ATM owner/operator may also apply.
A $15.00 early closeout fee will be assessed if your Value Savings Account, Classic Kids Savings Account or Relationship Money Market Account is closed within 180 days of the account opening date.
Online Money Market Account Details
- $2,500 minimum opening deposit
- $15 monthly maintenance fee
To avoid the monthly maintenance fee:
- Maintain a minimum daily balance of $2,500 in the Account during each statement cycle
Please refer to our applicable product disclosures, Depositor's Agreement, Funds Availability Disclosure and Schedule of Fees for additional information.