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Its best CD

4.25%

APY for 3 months, as of Nov 8, 2026

9 CDs, 8 IRA CDs

Poppy Bank CD rates

Every CD we track from Poppy Bank, by term, with each term’s place among the CDs we track and its terms of business.

Checked Nov 8, 2026Updated Oct 22, 2026

At each term

Its best rates

3 months4.25%Not ranked
6 months4.25%#11 of 143
9 months4.25%Not ranked
1 year4.25%#32 of 176
18 months4.25%#27 of 107
2 years4.25%#32 of 134
3 years4.25%#22 of 98
4 years4.25%Not ranked
5 years4.25%#25 of 98

Places are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.

Every CD

Its CDs, by term

12-Month CD

1 year4.25%#32 of 176

Minimum to open: $1,000poppy.bank, checked Nov 8, 2026
Early withdrawal penalty: 3.00% of the principal amount withdrawn earlypoppy.bank, checked Nov 8, 2026
Grace period at maturity: 7 dayspoppy.bank, checked Nov 8, 2026
Interest compounds: Interest is compounded daily and credited to the account monthly.poppy.bank, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

18-Month CD

18 months4.25%#27 of 107

Minimum to open: $1,000poppy.bank, checked Nov 8, 2026
Early withdrawal penalty: 3.00% of the principal amount withdrawn earlypoppy.bank, checked Nov 8, 2026
Grace period at maturity: 7 dayspoppy.bank, checked Nov 8, 2026
Interest compounds: Interest is compounded daily and credited to the account monthly.poppy.bank, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

24-Month CD

2 years4.25%#32 of 134

Minimum to open: $1,000poppy.bank, checked Nov 8, 2026
Early withdrawal penalty: 3.00% of the principal amount withdrawn earlypoppy.bank, checked Nov 8, 2026
Grace period at maturity: 7 dayspoppy.bank, checked Nov 8, 2026
Interest compounds: Interest is compounded daily and credited to the account monthly.poppy.bank, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

3-Month CD

3 months4.25%—

Minimum to open: $1,000poppy.bank, checked Nov 8, 2026
Early withdrawal penalty: 3.00% of the principal amount withdrawn earlypoppy.bank, checked Nov 8, 2026
Grace period at maturity: 7 dayspoppy.bank, checked Nov 8, 2026
Interest compounds: Interest is compounded daily and credited to the account monthly.poppy.bank, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

36-Month CD

3 years4.25%#22 of 98

Minimum to open: $1,000poppy.bank, checked Nov 8, 2026
Early withdrawal penalty: 3.00% of the principal amount withdrawn earlypoppy.bank, checked Nov 8, 2026
Grace period at maturity: 7 dayspoppy.bank, checked Nov 8, 2026
Interest compounds: Interest is compounded daily and credited to the account monthly.poppy.bank, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

48-Month CD

4 years4.25%—

Minimum to open: $1,000poppy.bank, checked Nov 8, 2026
Early withdrawal penalty: 3.00% of the principal amount withdrawn earlypoppy.bank, checked Nov 8, 2026
Grace period at maturity: 7 dayspoppy.bank, checked Nov 8, 2026
Interest compounds: Interest is compounded daily and credited to the account monthly.poppy.bank, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

6-Month CD

6 months4.25%#11 of 143

Minimum to open: $1,000poppy.bank, checked Nov 8, 2026
Early withdrawal penalty: 3.00% of the principal amount withdrawn earlypoppy.bank, checked Nov 8, 2026
Grace period at maturity: 7 dayspoppy.bank, checked Nov 8, 2026
Interest compounds: Interest is compounded daily and credited to the account monthly.poppy.bank, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

60-Month CD

5 years4.25%#25 of 98

Minimum to open: $1,000poppy.bank, checked Nov 8, 2026
Early withdrawal penalty: 3.00% of the principal amount withdrawn earlypoppy.bank, checked Nov 8, 2026
Grace period at maturity: 7 dayspoppy.bank, checked Nov 8, 2026
Interest compounds: Interest is compounded daily and credited to the account monthly.poppy.bank, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

9-Month CD

9 months4.25%—

Minimum to open: $1,000poppy.bank, checked Nov 8, 2026
Early withdrawal penalty: 3.00% of the principal amount withdrawn earlypoppy.bank, checked Nov 8, 2026
Grace period at maturity: 7 dayspoppy.bank, checked Nov 8, 2026
Interest compounds: Interest is compounded daily and credited to the account monthly.poppy.bank, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

12-Month IRA CD

IRA

1 year4.25%—

Minimum to open: $1,000poppy.bank, checked Nov 8, 2026
Early withdrawal penalty: 3.00% of the principal amount withdrawn earlypoppy.bank, checked Nov 8, 2026
Grace period at maturity: 7 dayspoppy.bank, checked Nov 8, 2026
Interest compounds: Interest is compounded daily and credited to the account monthly.poppy.bank, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

18-Month IRA CD

IRA

18 months4.25%—

Minimum to open: $1,000poppy.bank, checked Nov 8, 2026
Early withdrawal penalty: 3.00% of the principal amount withdrawn earlypoppy.bank, checked Nov 8, 2026
Grace period at maturity: 7 dayspoppy.bank, checked Nov 8, 2026
Interest compounds: Interest is compounded daily and credited to the account monthly.poppy.bank, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

24-Month IRA CD

IRA

2 years4.25%—

Minimum to open: $1,000poppy.bank, checked Nov 8, 2026
Early withdrawal penalty: 3.00% of the principal amount withdrawn earlypoppy.bank, checked Nov 8, 2026
Grace period at maturity: 7 dayspoppy.bank, checked Nov 8, 2026
Interest compounds: Interest is compounded daily and credited to the account monthly.poppy.bank, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

36-Month IRA CD

IRA

3 years4.25%—

Minimum to open: $1,000poppy.bank, checked Nov 8, 2026
Early withdrawal penalty: 3.00% of the principal amount withdrawn earlypoppy.bank, checked Nov 8, 2026
Grace period at maturity: 7 dayspoppy.bank, checked Nov 8, 2026
Interest compounds: Interest is compounded daily and credited to the account monthly.poppy.bank, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

48-Month IRA CD

IRA

4 years4.25%—

Minimum to open: $1,000poppy.bank, checked Nov 8, 2026
Early withdrawal penalty: 3.00% of the principal amount withdrawn earlypoppy.bank, checked Nov 8, 2026
Grace period at maturity: 7 dayspoppy.bank, checked Nov 8, 2026
Interest compounds: Interest is compounded daily and credited to the account monthly.poppy.bank, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

6-Month IRA CD

IRA

6 months4.25%—

Minimum to open: $1,000poppy.bank, checked Nov 8, 2026
Early withdrawal penalty: 3.00% of the principal amount withdrawn earlypoppy.bank, checked Nov 8, 2026
Grace period at maturity: 7 dayspoppy.bank, checked Nov 8, 2026
Interest compounds: Interest is compounded daily and credited to the account monthly.poppy.bank, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

60-Month IRA CD

IRA

5 years4.25%—

Minimum to open: $1,000poppy.bank, checked Nov 8, 2026
Early withdrawal penalty: 3.00% of the principal amount withdrawn earlypoppy.bank, checked Nov 8, 2026
Grace period at maturity: 7 dayspoppy.bank, checked Nov 8, 2026
Interest compounds: Interest is compounded daily and credited to the account monthly.poppy.bank, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

9-Month IRA CD

IRA

9 months4.25%—

Minimum to open: $1,000poppy.bank, checked Nov 8, 2026
Early withdrawal penalty: 3.00% of the principal amount withdrawn earlypoppy.bank, checked Nov 8, 2026
Grace period at maturity: 7 dayspoppy.bank, checked Nov 8, 2026
Interest compounds: Interest is compounded daily and credited to the account monthly.poppy.bank, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

CD rates change often; the bank’s own page is the final word. Best CD rates by term · CD calculator · Report a mistake

See it on poppy.bank

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