Bank · FDIC insured
Ponce Bank Savings Rates
Top CarrotPonce Bank’s best savings rate is 3.00% APY on $10,000, with its CDFI Money Market. Rates checked October 16, 2026.
How Ponce Bank’s savings 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
3.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $300
CDFI Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Ponce Bank savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0003.00%
- $10,000 balance$10,0003.00%
- $100,000 balance$100,0003.00%
- QualifiedQualified3.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CDFI Money Market
3.00%APY
Promotional product. No minimum balance required. Rate may change after account opening. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required. Rate may change after account opening.Any balance | 3.00% | $300 | No minimum balance required. Rate may change after account opening. |
Sources (1)
- poncebank.com/rates · captured Oct 5, 2026
Investor's Special MMDA
0.35%APY
Rate may change after account opening. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50,000 and upApplies to balances of $50,000 and greater. Rate may change after account opening.$50,000 and up | 0.35% | — | Applies to balances of $50,000 and greater. Rate may change after account opening. |
Money Market
0.15%APY
Tiered interest rates. Monthly service fee is $10 if minimum balance falls below $1,500 any day in the statement cycle ($0 if minimum balance is met). Opening deposit minimum is $50. Transfers to another account or third parties are limited to six per monthly statement cycle. Rates may change after account opening. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,500Tiered balance rate tier ($1.00–$1,499.99). $10 monthly fee if balance falls below $1,500. Rate may change after account opening. | 0.10% | — | Tiered balance rate tier ($1.00–$1,499.99). $10 monthly fee if balance falls below $1,500. Rate may change after account opening. |
| $1,500 – $50,000Tiered balance rate tier ($1,500.00–$49,999.99). $10 monthly fee if balance falls below $1,500. Rate may change after account opening. | 0.15% | $15 | Tiered balance rate tier ($1,500.00–$49,999.99). $10 monthly fee if balance falls below $1,500. Rate may change after account opening. |
| $50,000 and upRate tier for balances of $50,000 and greater. $10 monthly fee if balance falls below $1,500. Rate may change after account opening. | 0.20% | — | Rate tier for balances of $50,000 and greater. $10 monthly fee if balance falls below $1,500. Rate may change after account opening. |
Lease Security
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- poncebank.com/personal/savings · captured Sep 26, 2026
Passbook Savings
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 and up | 0.10% | $10 |
Sources (1)
- poncebank.com/personal/savings · captured Sep 26, 2026
Ponce Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMonthly Service Fee can be avoided if minimum balance is met ($100)$100 and up | 0.10% | $10 | Monthly Service Fee can be avoided if minimum balance is met ($100) |
Sources (1)
- poncebank.com/personal/savings · captured Sep 26, 2026
Special-purpose accounts
Youth Passbook/Statement
0.15%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.15% | $15 |
Sources (1)
- poncebank.com/personal/savings · captured Sep 26, 2026
Holiday Club
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.10% | $10 |
Sources (1)
- poncebank.com/personal/savings · captured Sep 26, 2026
IRA Savings
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.10% | $10 |
Vacation Club
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.10% | $10 |
Sources (1)
- poncebank.com/personal/savings · captured Sep 26, 2026
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.