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Grow your savings
with a 36-month CD

For a limited time, earn a promotional rate of 3.75% APY.

36 Month CD Promotion Terms

  • APY- Annual Percentage Yield and CD is Certificate of Deposit.
  • The 3.75% APY on this 36 Month CD is effective as of April 1, 2026.
  • The minimum balance to open and obtain this promotional APY is $1,000.
  • Applies to new deposits only (funds previously not within another Ponce Bank account.)
  • Rollover from an existing Ponce Bank Direct CD requires an additional deposit of a minimum of $10k in new money to receive the promotional offer rate.
  • A penalty may be imposed for withdrawals before maturity, and fees may reduce earnings.
  • Offer and rates may change without prior notice.

Your Business.
Our Mission.

Ponce Bank is committed to helping small businesses grow — with SBA Loans designed to get you the funding you need to take the next step.

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Why Ponce Bank Direct℠?

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Apply in minutes

Our new all-digital platform saves us money and we'll pass those savings on to you with an expanding array of digital perks while allowing you to earn great rates from a community bank that cares.

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Reliable

By banking with one of the top Community Development Financial Institutions and Minority Depository Institutions in the country, you're investing your money directly in the communities that need it most.

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Flexible

Your deposits will support financial education, affordable housing, small business lending, community development, and more while earning great rates and getting great digital service.
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Partnership

It's safe! Our new digital tools let you open an account in minutes, check your balances on the go anytime of the day or night, and still rest easy knowing your deposits are insured up to FDIC limits, because Ponce Bank is a fully insured FDIC banking institution.

Ponce Bank Direct℠, a division of Ponce Bank, is owned and operated by Ponce Bank. All deposits are FDIC insured, providing you with peace of mind and security. Please review our full terms and conditions for more details.

Ponce Bank is a member of the Federal Deposit Insurance Corporation (FDIC), an independent federal agency. Deposits are insured by the FDIC up to $250,000 per account, per depositor, per insured bank, for each account ownership category.