# Poppy Bank CD rates

As of October 22, 2026, Poppy Bank's highest tracked CD rate is 4.25% APY on a 3-month CD ($1,000 minimum). That is 3.7 times the FDIC national average for 3-month CDs (1.14%). Standard CD rates range from 4.25% to 4.25% APY.

Canonical page: https://apyledger.com/cd-rates/poppy-bank
Institution: Poppy Bank (FDIC 57903)
Aliases: Poppy
Status: live
Last verified: 2026-10-22T12:05:21.000Z (October 22, 2026)
Official source: https://www.poppy.bank/personal-accounts/
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3-Month CD | standard | 3 months | $1,000 | 4.25% | Not ZIP-priced | −0.04% | 2026-10-22T12:05:21.000Z | [Snapshot 263](https://apyledger.com/snapshots/263) |
| 6-Month CD | standard | 6 months | $1,000 | 4.25% | Not ZIP-priced | −0.15% | 2026-10-22T12:05:21.000Z | [Snapshot 263](https://apyledger.com/snapshots/263) |
| 9-Month CD | standard | 9 months | $1,000 | 4.25% | Not ZIP-priced | −0.23% | 2026-10-22T12:05:21.000Z | [Snapshot 263](https://apyledger.com/snapshots/263) |
| 12-Month CD | standard | 12 months | $1,000 | 4.25% | Not ZIP-priced | −0.32% | 2026-10-22T12:05:21.000Z | [Snapshot 263](https://apyledger.com/snapshots/263) |
| 18-Month CD | standard | 18 months | $1,000 | 4.25% | Not ZIP-priced | −0.47% | 2026-10-22T12:05:21.000Z | [Snapshot 263](https://apyledger.com/snapshots/263) |
| 24-Month CD | standard | 24 months | $1,000 | 4.25% | Not ZIP-priced | −0.62% | 2026-10-22T12:05:21.000Z | [Snapshot 263](https://apyledger.com/snapshots/263) |
| 36-Month CD | standard | 36 months | $1,000 | 4.25% | Not ZIP-priced | −0.70% | 2026-10-22T12:05:21.000Z | [Snapshot 263](https://apyledger.com/snapshots/263) |
| 48-Month CD | standard | 48 months | $1,000 | 4.25% | Not ZIP-priced | −0.73% | 2026-10-22T12:05:21.000Z | [Snapshot 263](https://apyledger.com/snapshots/263) |
| 60-Month CD | standard | 60 months | $1,000 | 4.25% | Not ZIP-priced | −0.76% | 2026-10-22T12:05:21.000Z | [Snapshot 263](https://apyledger.com/snapshots/263) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.