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  • CDs
  • Savings
  • Why Popular Direct?
  • Resources
    • Customer Service
    • Digital Services
    • Articles
    • CD Calculator
    • Savings Calculator

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Certificates of deposit.

Do you have funds that you won't need to use soon? Deposit your money in a CD for a fixed amount of time and we’ll guarantee you a fixed interest rate.

compare cd accounts Try our CD calculator

12-month CD.

5.10

% apy1

$10,000 minimum deposit

36-month CD.

4.45

% apy1

$10,000 minimum deposit

60-month CD.

4.50

% apy1

$10,000 minimum deposit


Certificate of Deposit Account Details and Disclosures
Calculate the best CD term for you

Find the best CD term for you.

Use this CD calculator to compare certificate of deposit accounts and see how much you could earn over each CD term we offer.2

Error: Please enter your starting balance.

$
.00
CALCULATE

How much you could earn:3

CD Term Interest Rate Annual Percentage Yield (APY) Principal Balance
% %

With our Popular Direct CDs you'll enjoy:

Competitive rates.

Discover how much
you can earn.

On the go access.

Access your account 24/7 from desktop or mobile.

A safety
net.

All deposits are
FDIC insured.

Round the clock support.

Our Customer Care team is always here to help.

Compare CD Accounts and Apply.

Compare CD rates and apply

Apply for a Popular Direct CD today.

Maximize your rewards, minimize the risk. Apply for a certificate of deposit account today to get started.

Error: Please select a CD term.

Account Details and Disclosures

CD Term Interest Rate Annual Percentage Yield (APY)1
% %

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Disclosures

1 The Annual Percentage Yield (APY) for a 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 calculator is made available to you as a self-help tool for your independent use and is not intended to provide investment advice. Popular Bank cannot and does not warrant or guarantee the applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

3 This estimated amount includes the initial deposit and the interest earned at the end of the CD term, is based on the interest rate and assumes principal and interest remain on deposit until maturity. A penalty will be imposed for early withdrawal. Interest earned may vary and fees may reduce aggregate balance on the account.

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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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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