Poppy Bank’s Top CD Rate is their 2 year CD rate of 0.75%.  When you are opening a deposit certificate through Poppy Bank, your APY assumes your principal remains on the deposit for a minimum of 365 days.  Your interest is compounded monthly and daily for optimal usage.  

Your earnings will significantly reduce when you withdraw your funds or have excessive fees added to your monthly payments.  

You are also subject to any early withdrawal penalties.  You need a minimum deposit of $1,000 when opening up a certificate of deposit regardless of your designated term length.  

For both twelve months and twenty-four-month certificates of deposit terms, they have an APY from 0.50% and 0.75%.  You are capable of applying to either option regardless of your financial standing.  

*Annual Percentage Yield (APY) assumes all principal remains on deposit for 365 days. Interest will be compounded daily and paid monthly. Fees, or withdrawals of principal or interest, could reduce earnings. Early withdrawals are subject to interest penalties. All rates effective as of August 21, 2020. For current rate information call (888) 636-9994.


When you are applying for a CD, you need to be a member of the Poppy Bank to open a CD.  This means that you will need to open a checking or savings account.  You should make sure that you have all of your identifying paperwork that improves this process.  

This means you will need your employment information, social security number, driver’s license, birth date, home address, telephone number for your account certification to process successfully.  

Branches in California

Poppy Bank is available in Alameda, Corte Madera, Costa Mesa, Los Angeles, Menlo Park, Milpitas, Petaluma, Pleasanton, Roseville, Santa Rosa, Walnut Creek, Windsor

All of these branches are fully operational and have readily available staff to answer any questions and solve any problem you may be having with your account. You can trust and rely upon that all of your financial information is stored safely within these branches.  

Choose any local California branch to help you navigate your finances.  

Bank Overview

Poppy Bank is a highly regarded bank that aims to provide the best financial services that meet all of your banking needs.  Whether you need customer service, immediate access or must make a deposit, Poppy Bank is readily available to provide a positive banking experience.  

Poppy Bank offers many flexible banking options that help grow your finances and maintain a smart organization.  Poppy Bank is recognized as one of the most highly regarded banking institutions nationwide.  Poppy Bank prioritizes your financial security by providing a strong network that is always reliable.  

It would help if you were relieved that Poppy Bank is a highly regarded financial institution that works hard at providing you a quality banking service that is safe and secure to use.  You can access your funds regardless of virtual or physical locations.  This makes it a diverse technological system that helps you maintain the most accurate depiction of your current financial standing.