Source: https://www.populardirect.com/products/cds/ Read: 2026-10-22T05:13:55.000Z Jump To Content Sign in CDs Savings Why Popular Direct? Resources Certificates of deposit. If you're comparing high CD rates, explore our range of CD terms and current APYs to find an option that aligns with your savings goals. COMPARE CD ACCOUNTS Try our CD calculator 6-month CD. 4.35 % APY1 $10,000 minimum deposit APPLY NOW 12-month CD. 4.60 % APY1 $10,000 minimum deposit APPLY NOW 18-month CD. 4.75 % APY1 $10,000 minimum deposit APPLY NOW Certificate of Deposit Account Details and Disclosures Find the best CD term for you. Whether you're researching high CD rates or comparing different CD terms, our CD calculator can help you estimate potential earnings.2 How much do you have to put into a CD? $ .00 CALCULATE With our Popular Direct CDs you'll enjoy: Competitive CD rates. Explore our CD rates and see how much you 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. Apply for a Popular Direct CD today. Maximize your rewards, minimize the risk. Apply for a certificate of deposit account today to get started. Select your preferred CD term. Please select a term... 3 Months 6 Months 12 Months 18 Months 24 Months 36 Months 48 Months 60 Months Account Details and Disclosures APPLY NOW CD Term | Interest Rate | Annual Percentage Yield (APY)1 3 Months | 4.211% | 4.30% 6 Months | 4.258% | 4.35% 12 Months | 4.498% | 4.60% 18 Months | 4.640% | 4.75% 24 Months | 4.689% | 4.80% 36 Months | 4.736% | 4.85% 48 Months | 4.831% | 4.95% 60 Months | 4.880% | 5.00% 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 Direct. READ ARTICLE Certificate of deposit (CD) account FAQs What should I know prior to opening a certificate of deposit? What is your policy on auto-renewal of maturing CDs? How do I set an action to be carried out when my CD matures? What is CD laddering, and why might I want to consider doing it? Where can I apply for a CD? Where can I read more about your CDs? How will changes to the CD interest rates affect my account? Is the money that I deposit with Popular Direct insured by the FDIC? What happens if I withdraw principal or interest from my CD before it matures? What is the minimum deposit to open a CD? What should I look for when comparing high CD rates? What is the best CD rate for $100,000? Direct Insights. Helpful articles about money, life, and innovation. How to save money as a couple: strategies for young couples. Learn how to save money as a couple with practical strategies for budgeting, building an emergency fund, reducing expenses, and reaching shared goals. READ ARTICLE Concerned about changing rates? Consider a CD. Learn how CDs work, why fixed rates can provide more predictability, and how CD laddering can help balance access to your savings. READ ARTICLE Emergency fund guide: how much should you save? Learn how much to save in an emergency fund and explore strategies to build savings for unexpected expenses. READ ARTICLE DISCLOSURES 1 The Annual Percentage Yield (APY) for a Certificate of Deposit (CD) account is effective as of Monday, October 19, 2026 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 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. 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. HELP AND SUPPORT Customer Service Contact Us POLICIES AND TERMS Privacy Policy Privacy Practices Weblinking Practices Terms and Conditions USA Patriot Act Accessibility Online Security Articles Digital Services Site Map Copyright © 2026 Popular Bank. Member FDIC. × We use cookies on our website. To learn more about the information we collect, how we use it, and your options, please click customize cookies. ACCEPT Customize Cookies