Popular Direct CD Rates — October 2026
As of October 22, 2026, Popular Direct's highest CD rate is 5.00% APY on a 60-month CD ($10,000 minimum). That is 3.5 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 4.30% to 5.00% APY.
Tracking began .
Popular Direct CD rates
Available online to U.S. residents in every state. Popular Direct is the online division of Popular Bank.
| Term | Product | APY |
|---|---|---|
| 3 months | Certificate of Deposit | 4.30%Verified October 22, 2026 |
| 6 months | Certificate of Deposit | 4.35%Verified October 22, 2026 |
| 12 months | Certificate of Deposit | 4.60%Verified October 22, 2026 |
| 18 months | Certificate of Deposit | 4.75%Verified October 22, 2026 |
| 24 months | Certificate of Deposit | 4.80%Verified October 22, 2026 |
| 36 months | Certificate of Deposit | 4.85%Verified October 22, 2026 |
| 48 months | Certificate of Deposit | 4.95%Verified October 22, 2026 |
| 60 months | Certificate of Deposit | 5.00%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Popular Direct's best CD rates by term?
Popular Direct's best rate is 5.00% APY on 60 months, verified October 22, 2026.
- 3 mo4.30%
- 6 mo4.35%
- 12 mo4.60%
- 18 mo4.75%
- 24 mo4.80%
- 36 mo4.85%
- 48 mo4.95%
- 60 mo5.00%
How Popular Direct compares
- Best 5-year rate among the institutions we track: Popular Direct at 5.00% APY — this one.
- Barclays: best 4.75% APY on 24 months.
- Sallie Mae Bank: best 4.75% APY on 60 months.
- Capital One: best 4.40% APY on 11 months.
- 5-year Treasury: 5.01% APY-equivalent.
Rate changes
No changes since we started tracking Popular Direct on October 22, 2026.
About Popular Direct
- Legal name
- Popular Bank
- Regulator ID
- FDIC 34967
- Headquarters
- New York, NY
- Available in
- All states (online)
- Total assets
- $15.0 billion
- Also known as
- Popular Bank, Popular
- Website
- www.populardirect.com
Source: rates read from https://www.populardirect.com/products/cds/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Popular Direct?
5.00% APY on a 60-month CD, as of October 22, 2026.
What is the minimum deposit for a Popular Direct CD?
The lowest minimum we found is $10,000.
How does Popular Direct's best CD rate compare with Treasury yields?
5.00% APY is −0.01% versus the 60-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 5.00% a good CD rate?
It is 3.5 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Popular Direct CDs insured?
Popular Direct is an FDIC-insured bank (FDIC 34967). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Popular Direct's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Popular Direct's website and may change at any time. Confirm terms, minimums and eligibility with Popular Direct before opening an account. This page is not financial advice.