# Popular Direct CD rates

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.

Canonical page: https://apyledger.com/cd-rates/popular-direct
Institution: Popular Bank (FDIC 34967)
Aliases: Popular Bank, Popular
Status: live
Last verified: 2026-10-22T05:13:55.000Z (October 22, 2026)
Official source: https://www.populardirect.com/products/cds/
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 3 months | $10,000 | 4.30% | Not ZIP-priced | +0.00% | 2026-10-22T05:13:55.000Z | [Snapshot 144](https://apyledger.com/snapshots/144) |
| Certificate of Deposit | standard | 6 months | $10,000 | 4.35% | Not ZIP-priced | −0.05% | 2026-10-22T05:13:55.000Z | [Snapshot 144](https://apyledger.com/snapshots/144) |
| Certificate of Deposit | standard | 12 months | $10,000 | 4.60% | Not ZIP-priced | +0.03% | 2026-10-22T05:13:55.000Z | [Snapshot 144](https://apyledger.com/snapshots/144) |
| Certificate of Deposit | standard | 18 months | $10,000 | 4.75% | Not ZIP-priced | +0.03% | 2026-10-22T05:13:55.000Z | [Snapshot 144](https://apyledger.com/snapshots/144) |
| Certificate of Deposit | standard | 24 months | $10,000 | 4.80% | Not ZIP-priced | −0.07% | 2026-10-22T05:13:55.000Z | [Snapshot 144](https://apyledger.com/snapshots/144) |
| Certificate of Deposit | standard | 36 months | $10,000 | 4.85% | Not ZIP-priced | −0.10% | 2026-10-22T05:13:55.000Z | [Snapshot 144](https://apyledger.com/snapshots/144) |
| Certificate of Deposit | standard | 48 months | $10,000 | 4.95% | Not ZIP-priced | −0.03% | 2026-10-22T05:13:55.000Z | [Snapshot 144](https://apyledger.com/snapshots/144) |
| Certificate of Deposit | standard | 60 months | $10,000 | 5.00% | Not ZIP-priced | −0.01% | 2026-10-22T05:13:55.000Z | [Snapshot 144](https://apyledger.com/snapshots/144) |

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.