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

Certificates of Deposit

Secure, Predictable Returns - Designed for International Clients

When preservation of capital and guaranteed growth matter most, Sunstate Bank’s Certificates of Deposit (CDs) offer peace of mind. These U.S.-based, fixed-rate investment accounts are ideal for non-resident individuals, families, or business entities looking to grow U.S. dollars safely over time.

Whether you're diversifying from your home country’s currency, planning for future expenses, or simply protecting long-term savings, our CDs provide stability, security, and competitive rates - with no market risk.

Open OnlineCompare Accounts

A family enjoys time outside

Why Choose This Account?

Guaranteed Interest

Lock in your rate for the full term - no surprises, no volatility.

Safe & FDIC Insured

Your funds are insured up to allowable limits by the Federal Deposit Insurance Corporation (FDIC).

Flexible Terms & Competitive Rates

Choose a term from 6 months to 5 years - with rates that reward longer commitments.

Personalized Guidance

Work directly with an experienced banker to choose the right term, rate, and funding strategy.

Two people talk business outside a building

Built for Global Clients

  • Open an account from abroad - no U.S. residency required
  • Earn fixed interest for the full term
  • Ideal for real estate holding companies, retirement planning, or asset diversification
  • Available to personal and business clients
  • Backed by multilingual support (English, Spanish, Portuguese)

A man reads a book to his grandchildren

Ideal Use Cases

  • Parking profits from international business in a secure U.S. vehicle
  • Creating a diversified nest egg in U.S. dollars
  • Holding real estate or inheritance proceeds safely
  • Strategic savings for education or family legacy
  • Asset preservation without stock market exposure

Why Global Clients Choose Sunstate

  • Transparent process with no hidden fees
  • Multilingual banking professionals in South Florida
  • Proven experience helping international families and investors
  • Ideal for conservative, risk-aware financial planning
  • Full suite of Premier Banking solutions beyond CDs

CD Account Snapshot

Minimum Opening Deposit $1,000
Interest Fixed rate for term (contact us for current APYs)
Currency U.S. Dollars
Monthly Maintenance Fees $0
Withdrawal Access Early withdrawal penalties apply
FDIC Insuranch Up to applicable limits
International Clients Eligible Yes
Available for Business & Personal Yes

Concept of selecting files on a computer

What You Need to Open

Opening a CD is fast and simple - even for international clients.

You typically need:

  • Valid passport and national ID
  • Proof of international or U.S. address
  • U.S. or foreign tax identification number
  • Source of funds verification (for compliance)
  • Minimum deposit of $1,000

We provide a tailored checklist based on your country and entity type.

Ready to Lock In Your Savings?

Speak with a Premier Banker. We’ll explain the available rates, terms, and help you choose the best CD for your strategy - whether you're opening from Miami or from abroad. International onboarding available.

Speak with a Premier Banker

*Penalties apply for early withdrawal. Interest rates are fixed for the term but subject to change before funding. Account opening and funding subject to compliance review and approval. 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.