Do you want to earn
higher interest on your deposits?

Term
APR (Annual Percentage Rate)
APY (Annual Percentage Yield) 1
03 Months
3.44%
3.50%
06 Months
3.92%
4.00%
12 Months
3.97%
4.05%
24 Months
3.92%
4.00%
36 Months
3.68%
3.75%

Effective Dates:

Effective as of June 1

Prime Rate: 6.75%

1  APY – Annual Percentage Yield.
2  The minimum balance to open and obtain the APY for Certificates of Deposits
(CDs) 1-6months is $500. The minimum balance to open and obtain the APY for
CDs 12-60months is $1,000. A penalty may be imposed for withdrawals before
maturity on CDs. Fees may reduce earnings. Offer and rates may change without
prior notice.

APYs effective as of April 17, 2026.

Products, services, terms and conditions subject to change without notice. Please contact us at (718) 931-9000 for current Interest rates and other products.

1 APY – Annual Percentage Yield.

2 The minimum balance to open and obtain the APY for Certificates of Deposits (CDs) 3 & 6 months is $500. The minimum balance to open and obtain the APY for CDs 12, 24 & 36 months is $1,000. Applies to new deposits only (funds previously not within another Ponce Bank or Ponce Bank Direct account). A penalty may be imposed for withdrawals before maturity, and fees may reduce earnings. Offer and rates may change without prior notice. Speak to a representative to learn more.