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  • Why Popular Direct?
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    • Savings Calculator

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Get Support 1-800-274-5696

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Savings made simple.

Thanks to Popular Direct, building your nest egg is easier than you think. We offer great interest rates with a simpler, more straightforward banking experience. We can help you select the best savings strategy and products to meet your needs.

START SAVING COMPARE CD RATES

Great CD rates.

5.10

% apy1

Popular Direct 12-month CD
$10,000 minimum deposit
Account details and disclosures

Grow your savings.

4.45

% apy2

Popular Direct High-Rise Savings
$5,000 minimum deposit
Account details and disclosures

Digital services.

Sign in to our Online and Mobile Banking tools to review and manage your account anytime, anywhere from your computer or mobile device.

Learn more
Find the best savings straregy for you

Find the best savings strategy for you.

Error: Please make a selection.

I've been saving regularly and want to keep my earnings growing. I've been setting aside money but not consistently. I'm just beginning and haven't accumulated much.

Error: Please make a selection.

Earning Potential: Highest possible interest rates Stability: Interest rates that are less likely to fluctuate Flexibility: Easy access to my money

We recommend these options based on your input:

60 Month CD

4.50

% apy1

Lock in your rate.
FDIC insured.
Only $10,000 to open.

36 Month CD

4.45

% apy1

Lock in your rate.
FDIC insured.
Only $10,000 to open.

High-Rise Savings

4.45

% apy1

Only $5,000 to open.
FDIC insured.
Setup auto-savings.

We recommend these options based on your input:

60 Month CD.

4.50

% apy1

Lock in your rate.
FDIC insured.
Only $10,000 to open.

48 Month CD.

4.30

% apy1

Lock in your rate.
FDIC insured.
Only $10,000 to open.

36 Month CD.

4.45

% apy1

Lock in your rate.
FDIC insured.
Only $10,000 to open.

We recommend these options based on your input:

High-Rise Savings

4.45

% apy1

Lock in your rate.
FDIC insured.
Only $10,000 to open.

6 Month CD

4.55

% apy1

Lock in your rate.
FDIC insured.
Only $10,000 to open.

12 Month CD

5.10

% apy1

Lock in your rate.
FDIC insured.
Only $10,000 to open.

We recommend these options based on your input:

High-Rise Savings

4.45

% apy1

Only $5,000 to open.
FDIC insured.
Setup auto-savings.

36 Month CD

4.45

% apy1

Lock in your rate.
FDIC insured.
Only $10,000 to open.

24 Month CD

4.60

% apy1

Lock in your rate.
FDIC insured.
Only $10,000 to open.

We recommend these options based on your input:

24 Month CD

4.60

% apy1

Lock in your rate.
FDIC insured.
Only $10,000 to open.

12 Month CD

5.10

% apy1

Lock in your rate.
FDIC insured.
Only $10,000 to open.

High-Rise Savings

4.45

% apy1

Only $5,000 to open.
FDIC insured.
Setup auto-savings.

We recommend these options based on your input:

High-Rise Savings

4.45

% apy1

Only $5,000 to open.
FDIC insured.
Setup auto-savings.

6 Month CD

4.55

% apy1

Lock in your rate.
FDIC insured.
Only $10,000 to open.  

We recommend these options based on your input:

Currently, our Popular Direct Savings Account requires a $5,000 minimum opening deposit
and our Popular Direct CD requires a $10,000 minimum opening deposit.

If you can’t start with this, learn creative ways to boost your savings.

Get saving. It’s quick and easy.

1

Enter your personal information. We’ll need a few details such as your name, address, social security number (or tax ID), driver’s license or state ID.

2

Make your first deposit. You can fund your new Popular Direct account from either an existing Popular Direct account you own or from an account you own at a different US bank.

3

Once your application is approved and completed, you will receive a welcome email and may enroll in mobile and online banking for easy account access.

Why choose Popular Direct?

Reward yourself with Popular Direct

Over a century of trust.

Popular Direct products are offered by Popular Bank, the U.S. banking subsidiary of Popular, Inc. [NASDAQ: BPOP]. Founded in 1893, Popular, Inc. is a publicly traded, full-service financial services provider in the United States, Puerto Rico, and the Caribbean. Today, Popular, Inc. is one of the 50 largest U.S. banks by assets. A defining characteristic of the Popular brand is our deep commitment to putting customers at the center of everything we do. Popular Bank remains dedicated to this strong sense of heritage, values, and customer service set forth by Popular, Inc. over a century ago.

All deposits with Popular Direct are insured by the FDIC up to the applicable maximum amount allowed by law per depositor for each deposit ownership category.

START SAVING COMPARE CD RATES

Simple and transparent.

We believe in keeping things simple and transparent. Access to your Popular Direct accounts is easy, gaining insights through our resource center is always helpful and viewing our competitive rates from your desktop or mobile device lets you know exactly what is being offered. No surprises.

Get more from your money.

With our Popular Direct products, we're there every step of the way to guide you through life's most challenging financial obstacles. From building your first savings account to growing what you have already saved and investing in a CD suited just for you, you will be happy you selected our Popular Direct products.
Make room for the life you want to build with Popular Mortgage

Make room for the life you want to build with Popular Mortgage.

At Popular Mortgage, explore our market-leading lending solutions to meet your unique financing needs. Whether you’re looking to buy a new home or refinance your current home, mortgage rates remain at an all-time low, so invest and save today.3

A dedicated Home Lending Officer (HLO) is here to listen and guide you through our home purchase or refinance process, so connect with a Popular HLO to get started.

Learn more Meet the Popular Mortgage team

Need assistance?

Contact Customer Care Get Digital Services CD CalculatorSavings Calculator

Direct Insights.

Helpful articles about money, life, and innovation.

What is a smishing scam? How to protect yourself.

Robotext scams are on the rise. A robotext scam is also known as a smishing scam. You should be aware of these scams and know how to protect yourself against them.

Read Article

Your Tax Refund Is a Chance to Grow.

It’s tax season again and W-2s are hitting mailboxes around the country. This year the average federal income tax return is estimated to be in excess of $2,000. What better way to get…

Read Article

Protecting Your Financial Health This Holiday Season.

It’s the holiday season again, and that means you’re making transactions in stores, online, and with retailers and vendors that you may not otherwise do business with. This increased…

Read Article

Disclosures

1 The Annual Percentage Yield (APY) for a Popular Direct Certificate of Deposit (CD) account is effective as of Monday, March 27, 2023 and subject to change without notice. There is a $10,000 minimum opening account deposit and balance requirement. APY assumes principal and interest remain on deposit until maturity. A penalty will be imposed for early withdrawal. Fees may reduce earnings on the account.

2 The Annual Percentage Yield (APY) applies only for the "Popular Direct High-Rise Savings" product, is effective as of Monday, March 27, 2023, may be cancelled or withdrawn at any time, and is subject to change without notice. Popular Bank, in its sole discretion, reserves the right to change or terminate this offer at any time. There is a $5,000 minimum deposit to open an account. Fees may reduce earnings.

3 All loans are subject to credit review and approval. Rates, program terms and conditions vary by state and are subject to change without notice.
Popular Bank NMLS ID # 417584

Important information about procedures for opening a new account: To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or business) who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver’s license or other identifying information.

All Popular Direct deposit products are offered by, and will be opened through, Popular Bank. Popular Bank is a Member FDIC institution and a New York state chartered bank. Processing services for all Popular Direct deposit products are provided by Popular Bank. All deposits with Popular Bank (including deposits through Popular Direct deposit products) are insured by the FDIC up to the applicable maximum amount allowed by law for each deposit ownership category. All balances for Popular Direct and Popular Bank deposits would be combined for purposes of determining FDIC coverage eligibility. For more information about FDIC Insurance coverage of deposit accounts, visit https://www.fdic.gov/deposit/deposits.

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Third-Party Website Link ×


This is a hyperlink to a third-party website, as described in our Weblinking Practices. Note that such third-party's respective privacy policy and security practices may differ from those of Popular Bank or its affiliates. Neither Popular Bank nor any of its affiliates assumes any responsibility, nor do they control, endorse or guarantee any aspect of your use of any linked third-party website. Hyperlinks to third-party websites are solely for informational purposes and for use at your own risk.


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Leaving Site ×


Please never share your Popular account details with anyone. Popular will never ask you for your password through email, social media or a third-party website.


Fund Transfer Restrictions ×


For the first 70 days following your Popular Direct High-Rise Savings account opening, the only account to which you may transfer funds out of your Popular Direct High-Rise Savings account is your linked external account. You may make this request through Popular Direct Online Banking or by calling the Popular Direct Care Center. However, you may not initiate a transfer request from your linked external account.

If you close your linked external account before you are eligible to change it (60 days after its last change, including during account opening), you will be unable to transfer funds out of your Popular Direct High-Rise Savings account for the remainder of the 60-day waiting period for linked external account changes.


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