Poppy Bank

FDIC-insured · certificate 57903

Savings, money market, checking and CDs, with every rate from Poppy Bank’s own pages and every rank against the accounts we track.

Checked Nov 1, 2026Updated Oct 22, 2026

Every account we track

Accounts and rates

A year on $10,000, after fees

Poppy Blooms Youth SavingsSavings account · no minimum to open4.00%$400None

Poppy Premier Personal SavingsSavings account · $1,000 to open0.50%$50None

Poppy IRA SavingsSavings account · $1,000 to open0.20%$20None

Poppy Personal Money MarketMoney market account · $1,000 to open0.10%−$110$10 a month

Against 1043 checking accounts

Poppy SelectChecking accountNot stated#163$10 a month

Poppy ReserveChecking account0.25%#957$20 a month

Poppy LegacyChecking account0.50%#1036$40 a month

Poppy EliteChecking account1.00%#1039$50 a month

Poppy StudentChecking account · $50 to open3.50%—None

9 CDs

3 months · Poppy Bank’s best3-Month CD4.25%—

6 months6-Month CD4.25%#11 of 143

9 months9-Month CD4.25%—

1 year12-Month CD4.25%#32 of 176

18 months18-Month CD4.25%#27 of 107

2 years24-Month CD4.25%#32 of 134

3 years36-Month CD4.25%#22 of 98

4 years48-Month CD4.25%—

5 years60-Month CD4.25%#25 of 98

A dash: a term we don’t rank. All Poppy Bank CDs

Against the market

Where each ranked account sits on our list for its kind. Further right is higher on the list.

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.