Please be advised that our Call Center will close at 4PM  on Friday, April 3rd, 2026, and will be closed on Saturday, April 4th, 2026, in observance of Good Friday.
Digital support Is here. Get real-time help with live chat, audio, and on-screen guidance — no phone call needed. Click the "let's talk" bubble on bottom right-hand side for help!‍

Save today. Grow Tomorrow
With a 36 Month CD.

Open CD Today

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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.

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The Ponce Bank Family is Growing!

Introducing PonceBankDirectSM, the all new digital, all purpose-driven, 24/7 community bank from Ponce Bank currently offering great CD rates and small business banking and lending.  
Learn More About CD's
Learn More About Business Lending

Our History

Ponce Bank was born in the Bronx NYC, (birthplace of hip-hop and hotbed of creativity and cultural pride) back in 1960 to bring banking, financial education, and community support, to immigrant communities and people of color all over the New York City Metro area. That mission continues today, and you can be part of it, wherever you live and whenever you like to do your banking, with PonceBankDirectSM, our new all-digital banking platform.

Our Purpose

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.

PonceBankDirectSM shares the heart and the purpose that's made Ponce Bank a New York City Anchor institution with customers all over the country.  

Be Cool. Bank Local. Wherever you live!

Why Ponce Bank DirectSM?

Apply in minutes

Reliable

Flexible

partnership

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.

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.

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.

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.

PonceBankDirectSM, 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.

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