Frequently Asked Questions (FAQs)

Find answers to common questions about FinRates and our services.

This is the first item's accordion body. It is shown by default, until the collapse plugin adds the appropriate classes that we use to style each element. These classes control the overall appearance, as well as the showing and hiding via CSS transitions. You can modify any of this with custom CSS or overriding our default variables. It's also worth noting that just about any HTML can go within the .accordion-body, though the transition does limit overflow.

This is the second item's accordion body. It is hidden by default, until the collapse plugin adds the appropriate classes that we use to style each element. These classes control the overall appearance, as well as the showing and hiding via CSS transitions. You can modify any of this with custom CSS or overriding our default variables. It's also worth noting that just about any HTML can go within the .accordion-body, though the transition does limit overflow.

This is the third item's accordion body. It is hidden by default, until the collapse plugin adds the appropriate classes that we use to style each element. These classes control the overall appearance, as well as the showing and hiding via CSS transitions. You can modify any of this with custom CSS or overriding our default variables. It's also worth noting that just about any HTML can go within the .accordion-body, though the transition does limit overflow.
EDITOR'S PICK
Popular Direct CD
POPULAR|DIRECT
Member FDIC
APY as of 1/29/2026
4.00%
Min. deposit
$10,000
Term
6 mo
Read review
3.5 Bankrate CD score
B
EXPERT TAKE:

Popular Direct offers a solid array of CD terms with high yields, ranging from three months to five years. However, the $10,000 minimum deposit required to open one is prohibitively high. Read full review

CD account details
Offer valid as of
1/29/2026
Minimum deposit
$10,000.00
Early withdrawal penalty for 6mo CD:
N/A
Pros
  • Available CDs earn very high yields.
  • Popular Direct offers terms shorter than a year.
Cons
  • The minimum deposit required to open a CD is extremely steep.
  • All CDs are standard; Popular Direct doesn't offer bump-up or no-penalty CDs.
  • Harsh early withdrawal penalties apply for CDs.
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