Popular Direct CD Rates (November 2026) & Calculator
Popular Direct pays up to 5.00% APY on a 5-year CD. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.
Popular Direct CD rates (Nov 5, 2026)
Every CD term Popular Direct lists on its website, with what $10,000 earns over the full term.
| Term | Product | Minimum | APY | $10,000 earns |
|---|---|---|---|---|
| 3 months | Certificate of Deposit | $10,000 | 4.30% | $105.81 |
| 6 months | Certificate of Deposit | $10,000 | 4.35% | $215.18 |
| 1 year | Certificate of Deposit | $10,000 | 4.60% | $460.00 |
| 18 months | Certificate of Deposit | $10,000 | 4.80% | $728.57 |
| 2 years | Certificate of Deposit | $10,000 | 4.80% | $983.04 |
| 3 years | Certificate of Deposit | $10,000 | 4.85% | $1,526.71 |
| 4 years | Certificate of Deposit | $10,000 | 4.95% | $2,131.93 |
| 5 years | Certificate of Deposit | $10,000 | 5.00% | $2,762.82 |
Special is a promotional rate. Relationship needs a linked account at Popular Direct. A dash means the same APY as the opening balance. The highlighted row is Popular Direct's top rate.
Source: Popular Direct CD rates. Rates change often; confirm before you open an account.
Popular Direct vs the national average
The FDIC national average is what banks and credit unions pay on average, weighted by deposits (Oct 19, 2026). The last column is the best rate among the 51 other banks we track for the same term.
| Term | Popular Direct | National avg | Best other bank |
|---|---|---|---|
| 3 months | 4.30% | 1.14% |  Bask Bank 4.10% |
| 6 months | 4.35% | 1.39% |  Live Oak Bank 4.30% |
| 1 year | 4.60% | 1.76% |  E*TRADE 4.55% |
| 18 months | 4.80% | 1.76% (12 mo) | E*TRADE 4.55% |
| 2 years | 4.80% | 1.55% | E*TRADE 4.80% |
| 3 years | 4.85% | 1.39% |  Synchrony 4.65% |
| 4 years | 4.95% | 1.31% | Synchrony 4.65% |
| 5 years | 5.00% | 1.41% |  Sallie Mae 5.00% |
Popular Direct CD early withdrawal penalty
| Term | Penalty |
|---|---|
| less than 91 days (~3 months) | 89 days of interest |
| 91 days up to 11 months | 120 days of interest |
| 12 to 35 months | 270 days of interest |
| 36 to 59 months | 365 days of interest |
| 60 months and longer | 730 days of interest |
Example: $10,000 in a 1-year CD at 4.60%, withdrawn after 6 months, has earned $227.41. The penalty is $332.70, so you would get $9,894.71, $105.29 less than you put in.
The penalty can reach your principal if it is more than the interest earned. Official disclosure (checked 2026-11-06).
Taxes on Popular Direct CD interest
CD interest is taxable as ordinary income, federally and in most states. You owe tax in the year the interest is credited or accrues, even if it stays in the CD until maturity. Popular Direct sends Form 1099-INT when you earn $10 or more in a year. For example, the $2,762.82 that $10,000 earns over 5 years at 5.00% would cost about $608 in federal tax in the 22% bracket.
If you pay an early withdrawal penalty, it appears in box 2 of your 1099-INT and you can deduct it from your income, even if you don't itemize. CDs held in an IRA follow IRA tax rules instead. See IRS Publication 550.
How We Calculate & Keep This Accurate
Maturity value is your deposit grown at the APY for the term: A = P × (1 + APY)^(months ÷ 12). The APY for each term is the highest balance tier your deposit qualifies for. Early withdrawal penalties are charged as simple interest on the deposit at the CD's interest rate (the APY converted to its daily rate), following Popular Direct's published rule for that term.
Rates come from Popular Direct's own rate page. We use the APY Ledger dataset (CC BY 4.0) to spot rate changes, and we checked a sample of rates and the penalty rules against Popular Direct's website and disclosures. Results are estimates, not an offer from the bank.
Primary Sources
Data & Freshness
Figures reflect 2026 tax-year data.
Last updated November 5, 2026 · Maintained by the Financial Calculator editorial team.
Popular Direct CD FAQs
Quick answers about Popular Direct CD rates and penalties.
What are Popular Direct's CD rates today?
How much will $10,000 earn in a 5-year Popular Direct CD?
What is Popular Direct's CD early withdrawal penalty?
Are Popular Direct CDs insured?
How do Popular Direct's rates compare with the national average?
Compare CD rates at other banks
Best APY at each bank for a $10,000 deposit, checked Nov 5, 2026. Popular Direct's best is 5.00%.
- Sallie Mae1-year 4.50%Top rate5.00%5 yr
- E*TRADE1-year 4.55%4.80%2 yr
Barclays1-year 4.50%4.75%2 yr- Synchrony1-year 4.30%4.75%5 yr
Ally1-year 4.50%4.50%1 yr
American Express1-year 3.75%4.50%10 mo
CIBC Agility1-year 4.50%4.50%1 yr
EverBank1-year 3.50%4.50%2 yr- Live Oak Bank1-year 4.50%4.50%1 yr
Associated Bank1-year 1.00%4.40%13 mo
Marcus1-year 4.40%4.40%1 yr
City National1-year 4.39%4.39%1 yr- Bask Bank1-year 4.35%4.35%1 yr
Atlantic UnionNo 1-year CD4.30%13 mo
Eastern BankNo 1-year CD4.30%18 mo
Flagstar1-year 4.30%4.30%1 yr
FNBNo 1-year CD4.30%13 mo
Huntington1-year 0.25%4.30%13 mo
TD Bank1-year 4.15%4.30%2 yr
BOK FinancialNo 1-year CD4.25%14 mo
Citi1-year 4.25%4.25%1 yr
Fulton Bank1-year 0.70%4.25%25 mo
PNC1-year 0.02%4.25%13 mo
UMB1-year 0.10%4.25%15 mo
Webster Bank1-year 0.02%4.25%11 mo · rel.
Wells Fargo1-year 1.51%4.25%11 mo · rel.
WSFS1-year 2.75%4.25%7 mo- Old NationalNo 1-year CD4.15%11 mo
Rockland Trust1-year 4.00%4.15%18 mo
M&T Bank1-year 3.00%4.10%18 mo · rel.
Navy Federal1-year 4.05%Credit union4.10%18 mo
Valley Bank1-year 3.50%4.10%6 mo
WaFd Bank1-year 3.00%4.10%13 mo- United Bank1-year 2.00%4.05%11 mo
Capital One1-year 4.00%4.00%1 yr
CIT Bank1-year 4.00%4.00%1 yr
First Citizens1-year 2.00%4.00%5 mo- Customers BankNo 1-year CD3.85%3 mo
Fifth Third1-year 3.70%3.70%1 yr
Chase1-year 0.50%3.50%8 mo · rel.
PenFed1-year 3.20%Credit union3.50%5 yr
U.S. Bank1-year 3.40%3.50%9 mo
Western Alliance1-year 2.78%3.48%3 mo
Bank of Hawaii1-year 3.40%3.40%1 yr · rel.- CitizensNo 1-year CD3.10%14 mo · rel.
First Hawaiian1-year 2.90%3.05%6 mo · rel.
Zions Bank1-year 3.05%3.05%3 mo
USAA1-year 1.80%2.25%7 mo
OceanFirst1-year 0.10%0.50%7 yr
First Horizon1-year 0.10%0.10%6 mo
TruistNo 1-year CD–
Green rates beat Popular Direct's best rate. “rel.” means the rate needs a linked account. Need a bank that isn't listed? Use the CD calculator with any APY.