Certificates of Deposit (CDs) | Sunstate Bank
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Certificates of Deposit (CDs)

Lock in Your Savings. Watch It Grow.

Looking for a safe, predictable way to grow your savings? With a Certificate of Deposit (CD) from Sunstate Bank, you earn a fixed interest rate over a set term - no market swings, no surprises.

Whether you’re planning for a big purchase or just want to make your money work harder, our CDs offer guaranteed growth with flexible term options.

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Key Benefits

Guaranteed Fixed Returns

Enjoy consistent earnings with a locked-in interest rate for the life of your CD.

Higher Rates than Savings

CDs typically offer better returns than traditional savings or money market accounts - especially for longer terms.

FDIC Insured

Your money is safe and insured up to $250,000.

Automatic Renewal Options

We’ll notify you before maturity - and you can choose to renew or withdraw with ease.

Peace of Mind

No risk, no stress - just set it and forget it.

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Is a CD Right for You?

Choose a CD if you:

  • Have savings you won’t need for a while (6-24+ months)
  • Want to avoid market risk
  • Prefer guaranteed returns over chasing rates
  • Are saving for a future goal - like a down payment, vacation, or college fund

Why Open a CD with Sunstate?

  • Trusted in South Florida since 1999
  • Voted Miami-Dade’s Favorite Bank (2023 & 2024)
  • Personalized customer support in English, Spanish, and Portuguese
  • Competitive rates with local decision-making
  • Backed by a 5-star BauerFinancial rating and investment from J.P. Morgan Chase

Account Snapshot

Minimum Opening Deposit $1,000
Term Options Flexible - typically from 6 months to 5 years
Interest Rate Fixed - varies by term (inquire for current rates)
Interest Compounding Monthly
Early Withdrawal Subject to penalty (standard across all banks)
FDIC Insurance Up to $250,000

Start Earning More Today

Open an account online or visit one of our local branches in Coral Gables, West Miami, or The Falls to speak with a banker. We’ll help you choose the best CD term for your goals and make the process quick and easy.

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*Early withdrawal penalties may apply. For full account disclosures, please call or stop into one of our branches. Rate tier information available here. Rates and terms may vary and are subject to change.