Business Savings

Use a Savings Account to prepare for unexpected events and tax payments!
  • Minority-Friendly Bank
  • 35,000+ Free ATMs
  • Bank With Purpose

Find the Right Savings
Account for You
Interest Rate (APY)² See the full list of interest rates. 0.10% 0.15% For balance between $1,500 - $50,000. Higher Balances Earn Higher Rates⁴ 3.80% For 6 months Term. Longer
terms Earn Higher Interests
Minimum Balance³ $100 $500 $500
Monthly Service Fee $5 monthly charge if minimum
balance falls below $100 		$10 monthly charge if minimum balance falls below $1,500 No service fee
Get Started Get Started Get Started

Savings and Money Market Services Come With:

Card

FREE Online Banking

Frame (25)

FREE eStatements

Frame (24)

Bill Pay

Are you ready to take the reins
and secure your financial future?

Our Financial Mastery Series is not just about managing your money;
it is about unlocking your full potential and achieving your dreams!

66ec4b7ae95441826aa1bd1d_Bldg-p-1600

Small Business Lending

Is your small business looking to purchase real estate or refinance?
Learn more
63a93ce260216a5b599c68a4_Image

Small Business Bootcamp

A comprehensive program designed by Ponce Bank to assist small business owners and aspiring entrepreneurs looking to start their businesses.
Learn more
66c75446d43e137cfbbf558a_Webinar-1

Non-Profit Grassroots

A valuable resource that assists local nonprofits in developing skills, maximizing impact, and growing capacity.
Learn more

Invest in your community not climate crisis

Don’t let your money fund Fossil Fuel Developments

Support a minority-led, minority-founded bank

We’re committed to bringing banking service to people that most large banks ignore

Bank with purpose⁴

Around $0.80 of every dollar you deposit with Ponce bank creates community financing

APYs effective as of March 18, 2026. Products, services, terms, conditions and interest rates subject to change without notice.

1 Transfers to another account or to third parties by preauthorized automatic telephone or computer transfer or by check, draft, debit card or similar order to third parties are limited to six per monthly statement cycle. Other fees may apply. See consumer schedule of fees for details. Ask us for details. Bank rules and regulations apply. Minimum opening deposit is only $50

2 The minimum balance to open and obtain the APY is $500. 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.

3 APY-Annual Percentage Yield. Rate may change after the account is opened.

4 Money Market Account APYs:
  • Money Market ($1.00-$1,499.99*): 0.10%
  • Money Market ($1,500.00-$49,999.99*): 0.15%
  • Money Market ($50,000 and greater): 0.20%
  • Investor's Special MMDA ($50,000 and greater): 0.35%
  • Investor's Special MMDA Business ($50,000 and greater): 0.35%
* Tiered Balances