Bank · FDIC insured
Popular Direct CD Rates
Top CarrotPopular Direct’s best CD rate is 5.00% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 25, 2026.
How Popular Direct’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Popular Direct
5.00%APY
- Term
- 60 months
- Minimum
- $10,000
- Earns on $10,000
- $2,763
Popular Direct Certificate of Deposit
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
First Federal Credit Union.
7.30%APY
- Term
- 3 months
- Minimum
- $5,000
- Earns on $10,000
- $198
Popular Direct CD score
99
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.35%
- 9–15 months9–15 mo4.60%
- 16–30 months16–30 mo4.80%
- 31–60 months31–60 mo5.00%
- QualifiedQualified5.00%
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 Popular Direct 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.
Popular Direct Certificate of Deposit
Up to 5.00%APY · 8 terms
$10,000 minimum opening account deposit and balance requirement. Minimum balance to earn interest is $0.01. Fixed interest rate. Interest compounded daily and credited monthly (optionally quarterly or at maturity for terms <12 months). External account validation required. Penalty imposed for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate. Requires $10,000 minimum opening deposit. Penalty for early withdrawal is 120 days simple interest for terms >=91 days but <12 months | 4.30% | $106 |
| 6 monthsFixed rate. Requires $10,000 minimum opening deposit. Penalty for early withdrawal is 120 days simple interest for terms >=91 days but <12 months | 4.35% | $215 |
| 12 monthsFixed rate. Requires $10,000 minimum opening deposit. Penalty for early withdrawal is 270 days simple interest for terms >=12 months but <36 months | 4.60% | $460 |
| 18 monthsFixed rate. Requires $10,000 minimum opening deposit. Penalty for early withdrawal is 270 days simple interest for terms >=12 months but <36 months | 4.75% | $721 |
| 24 monthsFixed rate. Requires $10,000 minimum opening deposit. Penalty for early withdrawal is 270 days simple interest for terms >=12 months but <36 months | 4.80% | $983 |
| 36 monthsFixed rate. Requires $10,000 minimum opening deposit. Penalty for early withdrawal is 365 days simple interest for terms >=36 months but <60 months | 4.85% | $1,527 |
| 48 monthsFixed rate. Requires $10,000 minimum opening deposit. Penalty for early withdrawal is 365 days simple interest for terms >=36 months but <60 months | 4.95% | $2,132 |
| 60 monthsFixed rate. Requires $10,000 minimum opening deposit. Penalty for early withdrawal is 730 days simple interest for terms >=60 months | 5.00% | $2,763 |
Sources (3)
All captured Oct 25, 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.