Bank · FDIC insured
Ponce Bank CD Rates
Top CarrotPonce Bank’s best CD rate is 4.25% APY on a 13-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Ponce Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Ponce Bank has the most branches. $10,000, best rate first.
This bank’s best
Ponce Bank
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
13-month CD Inwood Branch Special
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Ponce Bank CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Ponce Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
13-month CD Inwood Branch Special
4.25%APY · 1 term
Inwood Branch Special.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsInwood Branch Special | 4.25% | $461 |
Sources (1)
- poncebank.com/rates · captured Oct 5, 2026
7 Month CD
4.00%APY · 1 term
Applies to new deposits only (funds previously not within another Ponce Bank account.) A penalty may be imposed for withdrawals before maturity, and fees may reduce earnings. Offer and rates may change without prior notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsThe minimum balance to open and obtain this promotional APY is $1,000 for 7 month CD. Applies to new deposits only (funds previously not within another Ponce Bank account.) A penalty may be imposed for withdrawals before maturity, and fees may reduce earnings. Offer and rates may change without prior notice | 4.00% | $231 |
Sources (1)
- poncebank.com/rates · captured Oct 16, 2026
Certificate of Deposit
Up to 3.50%APY · 10 terms
The minimum balance to open and obtain the APY for Certificates of Deposits (CDs) 1-6 months is $500. The minimum balance to open and obtain the APY for CDs 12-60months is $1,000. A penalty may be imposed for withdrawals before maturity on CDs. Fees may reduce earnings. Offer and rates may change without prior notice.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1–2 months | 3.00% | — | 3.00% | $25 |
| 3 months | 3.50% | — | 3.50% | $86 |
| 6 months | 3.50% | — | 3.50% | $173 |
| 12 months | — | 3.50% | 3.50% | $350 |
| 18 months | — | 3.50% | 3.50% | $530 |
| 24 months | — | 3.50% | 3.50% | $712 |
| 30 months | — | 2.80% | 2.80% | $715 |
| 36 months | — | 3.25% | 3.25% | $1,007 |
| 48 months | — | 2.50% | 2.50% | $1,038 |
| 60 months | — | 2.50% | 2.50% | $1,314 |
Sources (1)
- poncebank.com/rates · captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Accounts (IRA)
Up to 3.60%APY · 9 terms
IRA Accounts are available as Certificates of Deposits (CDs) with terms from 1 to 60 months. A penalty may be imposed for withdrawals before maturity on CDs. Fees may reduce earnings. Additional contributions are not permitted during the term of the CDs. Annual contributions subject to limitations. Also offered as Traditional, Roth, and CESA fixed term accounts.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1–2 months | 3.00% | — | 3.00% | $25 |
| 3 months | 3.50% | — | 3.50% | $86 |
| 6 months | 3.50% | — | 3.50% | $173 |
| 12 months | — | 3.50% | 3.50% | $350 |
| 18 months | — | 3.50% | 3.50% | $530 |
| 24 months | — | 3.60% | 3.60% | $733 |
| 36 months | — | 3.25% | 3.25% | $1,007 |
| 48 months | — | 2.60% | 2.60% | $1,081 |
| 60 months | — | 2.50% | 2.50% | $1,314 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.