Routing Number: 
226070131
Rates

Do you want to earn higher interest on your deposits?

Effective as of May 4, 2023

Certificate of Deposit1

Term

Interest Rate

APY2

One (1) and Two (2) months
2.96%
3.00%
Three (3) months
3.44%
3.50%
Six (6) months
3.73%
3.80%
Twelve (12) months
4.16%
4.25%
Thirteen (13) months
4.40%
4.50%
Eighteen (18) months
4.18%
4.27%
Twenty-four (24) months
4.21%
4.30%
Thirty (30) months
2.76%
2.80%
Thirty-six (36) months
2.81%
2.85%
Forty-eight (48) months
2.47%
2.50%
Sixty (60) months
3.20%
3.25%

Individual Retirement Accounts (IRA)3

Term

Interest Rate

APY2

One (1) and Two (2) months
2.96%
3.00%
Three (3) months
3.44%
3.50%
Six (6) months
3.73%
3.80%
Twelve (12) months
4.16%
4.25%
Eighteen (18) months
4.18%
4.27%
Twenty-four (24) months
4.31%
4.40%
Thirty-six (36) months
2.91%
2.95%
Forty eight (48) months
2.57%
2.60%
Sixty (60) months
3.30%
3.35%

Other Accounts

Product

Interest Rate

APY2

Ponce Savings4
0.10%
0.10%
Money Market ($1 to less than $1,500)4
0.10%
0.10%
Money Market ($1,500 to less than $50,000)4
0.15%
0.15%
Money Market ($50,000 and greater)4
0.20%
0.20%
50+ Interest Checking4
0.05%
0.05%
Direct Interest Checking4
0.05%
0.05%
Premium Interest Checking ($1 to less than $1,500)4
0.05%
0.05%
Premium Interest Checking ($1,500 to less than $50,000)4
0.08%
0.08%
Premium Interest Checking ($50,000 and greater)4
0.10%
0.10%
Business Interest Checking4
0.05%
0.05%
Non-Profit Business Checking4
2.47%
2.50%
APYs effective as of
Current Date
.

Products, services, terms and conditions subject to change without notice. Fees may reduce earnings. 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) 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.

3 IRA Accounts are available as Certificates of Deposits (CDs) with terms from 1 to 60 months. The minimum balance to open and obtain the APY for CDs 1-6 months is $500. The minimum balance to open and obtain the APY for CDs 12-60 months is $1,000. A penalty may be imposed for withdrawals before maturity on CDs. Additional contributions are not permitted during the term of the CDs. Annual contributions subject to limitations.

4 Rate may change after the account is opened. For additional important information, please see Personal Checking, Personal Savings, Business Checking and Business Savings.

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