Save today. Grow Tomorrow.
    With a Ponce CD Account.

Open a CD today!

Choose Your CD Terms!

3 Months

3.50% APY*

6 Months

4.00% APY*

12 Months

4.05% APY*

24 Months

4.00% APY*

36 Months

3.75% APY*

Open your CD Account Today with PonceBankDirectSM

PonceBankDirectSM is Ponce Bank’s all digital platform that makes great rates available from your computer, tablet or phone wherever you are!
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PonceBankDirectSM
works with you!

PonceBankDirectSM shares the heart and the purpose that’s made Ponce Bank a New York City institution with new customers all over the country. Bank with PonceBankDirectSM and be a part of a revolution that's bringing purpose-led banking to the forefront of our country's financial system.

*APY- Annual Percentage Yield and CD is Certificate of Deposit. The 4.00% APY on this 6 Month CD and 4.05% APY on this 12 Month CD are effective as of June 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.) A penalty may be imposed for withdrawals before maturity, and fees may reduce earnings. Offer and rates may change without prior notice. 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. For more information, speak to a Ponce Banker today!