Earn Up To 5.35% APY: Popular Direct's Best CD Account Offers (Available Nationwide)

Earn Up To 5.35% APY: Popular Direct’s Best CD Account Offers (Available Nationwide)

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Popular Direct is offering great rates for their online certificate of deposit (CD) accounts. See the current rates below.

Update 4/21/2025: The APY rates have been updated. See rates below. Compare their rates with the ones offered by CIT Bank here.
Update 1/19/2024: APY rates have changed slightly. See rates below.
Update 12/19/2023: APY rates have changed across several term lengths.
Update 11/3/2023: Several small increases to APY rates.
Update 10/17/2023: Small changes.
Update 10/4/2023: Rate increases across several term lengths. Highest rate increased to 5.65%.
Update 8/24/2023: Highest rate now 5.50% APY for the 12 Month CD.
Update 7/27/2023: Several terms get slight increases in rate.
Update 7/13/2023: Rate updates for 6, 24 and 36 month terms.
Update 7/3/2023: Rate updates for all terms.
Update 5/16/2023: The APY rate for multiple term lengths increased.
Update 5/3/2023: The APY rate for multiple term lengths changed.
Update 4/24/2023: The APY rate for their 12-month CD decreased again from 5.05% to 5.00%.
Update 4/10/2023: The APY rate for their 12-month CD decreased from 5.15% to 5.05%.
Update 4/4/2023: The APY rate for their 12-month CD rate increased from 5.10% to 5.15%.
Update 3/29/2023: The APY rate for a few term lengths increased.
Update 3/14/2023: The APY rate for their 12-month CD rate increased from 4.96% to 5.00%.
Update 3/6/2023: The APY rate for multiple term lengths increased.
Update 2/22/2023: The APY rate for their 60 month CD decreased from 4.55% to 4.30%
Update 2/7/2023: The APY rate for their 12 month CD increased from 4.75% to 4.80%
Update 1/30/2023: The APY rate for their 60 month CD increased from 4.50% to 4.55%
Update 12/27/2022: The APY rates for their 12 month CD increased from 4.55% to 4.75%

Quick Facts:

Popular Direct products are offered by Popular Bank, the U.S. banking subsidiary of Popular, Inc.
Operating online only, they offer higher annual percentage yields on Money Market and Certificate of Deposit (CD) accounts.
All deposits with Popular Bank (including deposits through Popular Direct deposit products) are insured by the FDIC up to the applicable maximum amount allowed by law for each deposit ownership category.

READ MORE: GET TOP OFFERS FROM BMO, CIT and AXOS.

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Popular Direct CD Account Details

Popular Direct CD accounts are available with terms ranging from 3 to 60 months.

Here is a table with the rates for the most popular CD offers.

Term	APY
6 Month CD	4.35%
12 Month CD	4.35%
18 Month CD	4.00%
24 Month CD	4.05%
36 Month CD	4.00%
60 Month CD	4.05%

Available nationwide
Minimum for APY: $10,000
Maximum for APY: –

Learn More at Popular Direct

How To Open An Account

Use the link above to start the online opening process.
Before you begin, be sure to have the following information available to complete your account application.
- Social Security number
- Driver’s license
- Home address
Fund your account. Minimum of $10,000 to open your account. You can transfer funds with electronic transfer, mail in check, or wire.
They’ll send an email confirming your account has been successfully opened.

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