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  • Why Popular Direct?
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    • Customer Service
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    • CD Calculator
    • Savings Calculator

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High-yield savings and CDs.

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.

4.40

% apy1

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

Apply Now

Grow your savings.

4.05

% apy2

Popular Direct Select Savings
$100 minimum deposit
Account details and disclosures

Apply Now

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

4.20

% apy1

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

Apply Now

36 Month CD

4.15

% apy1

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

Apply Now

Select Savings

4.05

% apy1

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

Apply Now

We recommend these options based on your input:

60 Month CD.

4.20

% apy1

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

Apply Now

48 Month CD.

4.15

% apy1

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

Apply Now

36 Month CD.

4.15

% apy1

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

Apply Now

We recommend these options based on your input:

Select Savings

4.05

% apy1

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

Apply Now

6 Month CD

4.40

% apy1

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

Apply Now

12 Month CD

4.40

% apy1

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

Apply Now

We recommend these options based on your input:

Select Savings

4.05

% apy1

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

Apply Now

36 Month CD

4.15

% apy1

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

Apply Now

24 Month CD

4.15

% apy1

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

Apply Now

We recommend these options based on your input:

24 Month CD

4.15

% apy1

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

Apply Now

12 Month CD

4.40

% apy1

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

Apply Now

Select Savings

4.05

% apy1

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

Apply Now

We recommend these options based on your input:

Select Savings

4.05

% apy1

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

Apply Now

6 Month CD

4.40

% apy1

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

Apply Now

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.
Reward yourself with Popular Direct

Stay alert to the latest bank fraud and scams.

At Popular Direct, we’re committed to protecting your online security against the latest internet scams and fraud schemes like phishing, smishing, and identity theft.

Learn about the strategic steps you can take to protect yourself against fraud from our digital library of fraud-related articles.

Read articles

Need assistance?

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Direct Insights.

Helpful articles about money, life, and innovation.

What is a certificate of deposit (CD)?

A certificate of deposit offers higher interest rates than savings accounts when held for a fixed period. Learn about CD rates and options from Popular Bank.

Read Article

Benefits of saving for medium-term goals.

It’s a good idea to get in the habit of creating targeted savings goals. Short-term and long-term goals may be discussed more frequently when creating goals, but medium-term goals are…

Read Article

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

Disclosures

1 The Annual Percentage Yield (APY) for a Popular Direct Certificate of Deposit (CD) account is effective as of Monday, May 19, 2025 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. The interest rates and Annual Percentage Yields (APYs) may change at any time at the Bank's discretion without prior notice, before any CD is opened online. CDs cannot be opened online before the application process is finalized and funded. Your account will receive the current interest rate and APY in effect on the date it is opened and funded.

2 The Annual Percentage Yield (APY) applies only for the "Popular Direct Select Savings" product, is effective as of Monday, May 19, 2025, 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 $100 minimum deposit to open an account. Fees may reduce earnings. The interest rate and Annual Percentage Yield (APY) may change at any time at the Bank's discretion without prior notice, before any savings account is opened online. Savings accounts cannot be opened online before the application process is finalized and funded. Your account will receive the current interest rate and APY in effect on the date it is opened and funded.

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. All balances for Popular Direct and Popular Bank deposits would be combined for purposes of determining FDIC coverage eligibility. Deposit products and services are offered by Popular Bank. Popular Bank is a Member FDIC institution. Your deposits are insured, in aggregate, up to $250,000 per depositor, per insured institution, based upon an account ownership type by the FDIC. You may qualify for more than $250,000 in coverage if you hold deposits in different account ownership categories. For more information, please refer to: FDIC.gov.

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CD Account Opening Restrictions Savings Account Opening Restrictions ×


Please note: We may email you requesting proof of ownership of the linked external account. If requested, proof must be sent to us by Online Banking Secure Message, and received on or before the 10th calendar day from the account opening date or your account will be closed and funds returned to your linked external account.

Please note: For the first 70 days following account opening, the only account to which you may transfer funds from is your linked external account. You can make a request through Popular Direct Online Banking or by calling the Customer Care Center at 1-800-274-5696. If you close your linked external account before you are eligible to change it (60 days after its last change), you will be unable to transfer funds out of your account for the remainder of the 60-day waiting period.

We may email you requesting proof of ownership of the linked external account. If requested, proof must be sent to us by Online Banking Secure Message, and received on or before the 10th calendar day from the account opening date or your account will be closed and funds returned to your linked external account.


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CD Account Opening Restrictions Savings Account Opening Restrictions ×


Please note: We may email you requesting proof of ownership of the linked external account. If requested, proof must be sent to us by Online Banking Secure Message, and received on or before the 10th calendar day from the account opening date or your account will be closed and funds returned to your linked external account.

Please note: For the first 70 days following account opening, the only account to which you may transfer funds from is your linked external account. You can make a request through Popular Direct Online Banking or by calling the Customer Care Center at 1-800-274-5696. If you close your linked external account before you are eligible to change it (60 days after its last change), you will be unable to transfer funds out of your account for the remainder of the 60-day waiting period.

We may email you requesting proof of ownership of the linked external account. If requested, proof must be sent to us by Online Banking Secure Message, and received on or before the 10th calendar day from the account opening date or your account will be closed and funds returned to your linked external account.


Learn More Learn More Continue