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¹The Annual Percentage Yield (APY) for new CD accounts is effective as of October 1, 2024, and assumes that interest and principal will remain on deposit until maturity. For CD Renewals, call 1-800-377-0800 on or after your maturity date to learn the Renewal Rate (interest rate and APY) for your renewal account. Advertised APY 4.45% is for tier $25,000 - $99,999.99. Popular Bank, in its sole discretion, reserves the right to change or terminate these rates at any time. A penalty will be imposed for early withdrawal. Fees may reduce earnings on the account. CDs will automatically renew at the end of the grace period following maturity with the rate applicable at that time for the same term and corresponding tier for the deposit amount at the time of renewal. Interest rates and APYs may change at any time at the Bank's discretion without prior notice before any CD account is opened online. CDs cannot be opened online before the application process is finalized and approved. Once your application is approved, your account will receive the current interest rate and APY in effect on the date it is opened and funded.

²The interest rate and corresponding APY for your CD will be assigned based on the initial deposit amount and will remain in effect through the initial maturity. You will be paid this rate until the maturity date of the CD. You may choose to have interest paid monthly, quarterly, or at maturity. The APY assumes interest remains on deposit until maturity. A penalty will be imposed for early withdrawal. Fees may reduce earnings on the account.

³All loans are subject to credit review and approval. Program rates and terms and conditions vary by state and are subject to change without notice. NMLS ID # 417584.

⁴Standard mobile carrier charges and rates may apply to text messages (SMS).

⁵Popular Bank and its affiliates are not affiliated with ATM National, LLC. Allpoint is a registered trademark of ATM National, LLC. Popular Bank does not charge ATM fees at any in-network ATMs. You may be charged additional fees by the ATM operator or network used including a foreign currency conversion fee.

⁶Annual Percentage Yield (APY) effective as of October 1, 2024. The Saver Money Market Account will receive a promotional interest rate (the “Guaranteed Promotional Rate”) and APY which will be effective starting on the day the account is open and will remain in effect until the last business day of the 3rd month after the account opening date (the “Promotional Period”). For example, if you open your Saver Money Market Account on July 8, 2024, the Guaranteed Promotional Rate will be effective starting on July 8, 2024 (the day the account is open) and will remain in effect until October 31, 2024, (the last business day of the 3rd month after the account opening date). At the end of the Promotional Period, the Saver Money Market Account will be converted to the Optimum Money Market Account with a variable interest rate (the non-Guaranteed Promotional Rate) in effect at that time (the “Current Variable Interest Rate”). The Current Variable Interest Rate (non-Guaranteed Promotional Rate) reflected in the product disclosures for the Optimum Money Market Account, provided to you at the account opening date of your Saver Money Market Account, reflects a variable interest rate current as of that date, and is subject to change at the Bank’s sole discretion without notice. Note, the rate you will receive on your Optimum Money Market Account will be determined as of the conversion date from your Saver Money Market Account and will be the current variable rate offered by the Bank as of the conversion date for the associated balance tier in your account. Rates and terms are applicable and accurate as of the date you opened your Saver Money Market Account and may vary and change at the bank’s discretion. Fees may reduce earnings. In order to qualify for the Guaranteed Promotional Rate, you must: (1) open a new Saver Money Market Account, (2) deposit new money, and (3) comply with any other requirements listed in “Your Guide to Popular Saver Money Market Account.” New money is defined as deposits not currently held with Popular Bank. The required minimum to open a Popular Saver Money Market Account is $10,000. If the minimum daily balance falls below $10,000, a monthly service fee of $15 will be assessed.