Find the latest Popular Direct CD Rates, Offers, and Promotions here.
Update 7/24/24: The rates have slightly increased offering competitive rates.
Best CD Rates: 5.35% APY 6 Month, 5.20% APY 12-Month, $10k minimum deposit
Availability: Nationwide (Internet Bank)
Credit Inquiry: Unknown
About Popular Direct
Popular Direct interest rates provide a simpler, more straightforward banking experience. They can help you select the best savings strategy and products to meet your needs.
Popular Direct offers a vast array of products including CD options for all of your specific financial needs. From checking and savings account to loans and CDs, you are bound to find one that works for you.
Funding your account can be transferred from an external account.
| Term | APY Rate | Minimum Deposit |
| 3-Month | 5.25% | $10,000 |
| 6-Month | 5.35% | $10,000 |
| 12-Month | 5.20% | $10,000 |
| 18-Month | 4.80% | $10,000 |
| 24-Month | 4.70% | $10,000 |
| 36-Month | 4.50% | $10,000 |
| 48-Month | 4.25% | $10,000 |
| 60-Month | 4.30% | $10,000 |
*The above rates are accurate as of 7/24/2024*
Popular Direct CD Rates
CDs are a certificate issued by a bank to a person depositing money for a specified length of time. Usually the longer a term, the higher APY rate you make. The interest is compounded and credited monthly.
With an opening deposit of $10,000, you can invest in a Popular Direct CD account to maximize your earnings. Compare their offers now to find the solutions that fit best with your savings goals. Be sure to also check out the CD rates below to potentially find even better rates for you!
- Minimum deposit: $10,000
- Maximum deposit: None
- Early withdrawal penalty:
- For terms equal to or greater than 12 months but less than 36 months, the fee is 270 days simple interest.
- For terms equal to or greater than 36 months but less than 60 months, the fee is 365 days simple interest.
- For terms equal to or greater than 60 months, the fee is 730 days simple interest.
(FDIC Insured)
Western Alliance Bank 3-Month CD (4.50% APY) Western Alliance Bank 12-Month CD (4.25% APY)
Ponce Bank 3-Month CD (4.25% APY) Blue Federal Credit Union 9-Month No Penalty CD (3.75% APY)
Sun Canyon Bank 11-Month CD (3.98% APY) Ponce Bank 4-Month No-Penalty CD (4.15% APY)
Quontic Bank CD (Up to 4.25% APY)
Popular Direct CD Features
- Competitive rates
- Interest that compounds daily
- FDIC Insured
- Automatic renewals at maturity
- Unlimited number of beneficiaries.
Bottom Line
Popular Direct offers you competitive CD rates. All you need to do is to pick your CD term, and have a minimum opening deposit of $10,000. When your funds matured, you can transfer to a linked external account or back into a Popular Direct savings account. They will give you a 10 calendar days grace period before automatic renewal.
This is ideal for accounts like Certificate of Deposits. Though the rates are worth checking out, be sure to still compare them with the nation’s best using our guides: CD Rates | Savings Rates.
This is a great opportunity to invest in a high-interest CD with a low balance from Popular Direct. However, you may want to compare them with our best CD Rates:
- 6-Month CD Rates
- 9-Month CD Rates
- 12-Month CD Rates
- 18-Month CD Rates
- 24-Month CD Rates
- 36-Month CD Rates
- 48-Month CD Rates
- 60-Month CD Rates
- No Penalty CD Rates
Be sure to apply as soon as you can to start your new account experience and start earning higher rates. Check back often for the latest Popular Direct CD rates!
Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
| Service Credit Union | 4.25% APY 9-Month CD | Review |
| Western Alliance Bank | 4.50% APY 3-Month CD | Review |
| Western Alliance Bank | 4.40% APY 6-Month CD | Review |
| First Tech Federal Credit Union | 4.35% APY 13-Month Share Certificate | Review |
| Sallie Mae | 4.35% APY 10-Month CD | Review |
| Western Alliance Bank | 4.25% APY 12-Month CD | Review |
| Ponce Bank | 4.25% APY 3-Month High Yield CD | Review |
| Sallie Mae | 4.25% APY 14-Month CD | Review |
| Ponce Bank | 4.15% APY 4-Month No-Penalty CD | Review |
| Live Oak Bank | 4.10% APY 12-Month CD | Review |
| Live Oak Bank | 4.10% APY 12-Month Business CD | Review |
| First Mid Bank & Trust | 4.08% APY 9-Month CD | Review |
| Discover Bank | Up to 4.00% APY CD | Review |
| Sun Canyon Bank | 3.87% APY 11-Month CD | Review |
| Western Alliance Bank | 3.85% APY 5-Month CD | Review |
| Quontic Bank | Up to 3.75% APY CD | Review |
| GreenState Credit Union | 3.65% APY 10-Month CD | Review |
| Blue Federal Credit Union | 3.55% APY 15-Month CD | Review |
| Blue Federal Credit Union | 3.50% APY 9-Month No Penalty CD | Review |
| CIT Bank | 3.50% APY 13-Month CD | Review |
| CIT Bank | 3.50% APY 11-Month No-Penalty CD | Review |
| Southwestern National Bank | 3.40% APY 8-Month CD | Review |
| Ponce Bank | 3.00% APY 1-Month High Yield CD | Review |
| CIT Bank | 3.00% APY 6-Month CD | Review |
| CIT Bank | 3.00% APY 18-Month CD | Review |
Today’s (1/4/2024) APY:
6-month CD, 5.25%, $10,000 minimum deposit
12-month CD, 5.45%, $10,000 minimum deposit