Bank · FDIC insured
Banesco USA Savings Rates
Banesco USA’s best savings rate is 0.15% APY on $10,000, with its Money Market Max. Rates checked October 15, 2026.
How Banesco USA’s savings rates compare
Compared with banks and credit unions near Miami, FL, where Banesco USA has the most branches. $10,000, best rate first.
This bank’s best
Banesco USA
0.15%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $15
Money Market Max
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Banesco USA savings score
66
Savings score
Higher than 16% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0001.35%
- QualifiedQualified0.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Banesco USA ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Max
0.15%APY
Avoid $20 monthly maintenance fee by maintaining a $25,000 combined monthly average balance. $10,000 minimum daily balance to earn interest.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $50,000Avoid $20 monthly maintenance fee by maintaining a $25,000 combined monthly average balance. $10,000 minimum daily balance to earn interest. | 0.15% | $15 | Avoid $20 monthly maintenance fee by maintaining a $25,000 combined monthly average balance. $10,000 minimum daily balance to earn interest. |
| $50,000 – $100,000Avoid $20 monthly maintenance fee by maintaining a $25,000 combined monthly average balance. $10,000 minimum daily balance to earn interest. | 0.50% | — | Avoid $20 monthly maintenance fee by maintaining a $25,000 combined monthly average balance. $10,000 minimum daily balance to earn interest. |
| $100,000 and upAvoid $20 monthly maintenance fee by maintaining a $25,000 combined monthly average balance. $10,000 minimum daily balance to earn interest. | 1.35% | — | Avoid $20 monthly maintenance fee by maintaining a $25,000 combined monthly average balance. $10,000 minimum daily balance to earn interest. |
Sources (3)
- banescousa.com/personal/deposits/us
- banescousa.com/pr-migration-money-market-email
- banescousa.com/pr-migration-money-market-max-email
All captured Oct 15, 2026
Money Market
0.10%APY
Avoid $15 monthly maintenance fee by maintaining a $2,500 combined monthly average balance. $2,500 minimum daily balance to earn interest.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $50,000Avoid $15 monthly maintenance fee by maintaining a $2,500 combined monthly average balance. $2,500 minimum daily balance to earn interest. | 0.10% | $10 | Avoid $15 monthly maintenance fee by maintaining a $2,500 combined monthly average balance. $2,500 minimum daily balance to earn interest. |
| $50,000 – $100,000Avoid $15 monthly maintenance fee by maintaining a $2,500 combined monthly average balance. $2,500 minimum daily balance to earn interest. | 0.20% | — | Avoid $15 monthly maintenance fee by maintaining a $2,500 combined monthly average balance. $2,500 minimum daily balance to earn interest. |
| $100,000 and upAvoid $15 monthly maintenance fee by maintaining a $2,500 combined monthly average balance. $2,500 minimum daily balance to earn interest. | 0.30% | — | Avoid $15 monthly maintenance fee by maintaining a $2,500 combined monthly average balance. $2,500 minimum daily balance to earn interest. |
Sources (2)
All captured Oct 15, 2026
Savings (Puerto Rico Migration)
0.05%APY
Effective May 1, 2026. Maintain $300 combined monthly average balance to avoid $10 monthly fee. Minimum daily balance to earn interest is $300. Excess item fee of $10 per transaction in excess of 6 per statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and upMinimum daily balance to earn interest is $300. $10 fee waived by maintaining $300 combined monthly average balance. $10 excess transaction fee over 6 per statement cycle.$300 and up | 0.05% | $5 | Minimum daily balance to earn interest is $300. $10 fee waived by maintaining $300 combined monthly average balance. $10 excess transaction fee over 6 per statement cycle. |
Sources (1)
- banescousa.com/pr-migration-savings-email · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.