Oriental Bank Savings & Money Market Rates

How Oriental Bank’s savings rates compare

Compared with banks and credit unions near San Juan, PR, where Oriental Bank has the most branches. $10,000, best rate first.

This bank’s best
Oriental Bank
0.30%APY
Requires
Another account
Minimum
$1,000
Earns on $10,000 a year
$30
Elite Account
Top rate
Citi
3.00%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$300
Citi rates
2nd-highest rate
PenFed Credit Union
2.70%APY
Requires
None
Minimum
$5
Earns on $10,000 a year
$270
PenFed Credit Union rates

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Every rate

Current savings rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

Elite Account

0.30%APYRequirements apply$1,000 to open

Combined checking and savings; only the savings portion earns interest. Combined balances of Oriental Bank deposits and OFS investments determine the savings APY/interest rate. Minimum opening deposit $1,000 for the checking portion; no minimum opening deposit for the savings portion. Savings portion accrues variable tiered interest from a $0.01 balance in that portion. Interest calculated on average daily balance in the savings portion. Combined balances of $5,000 or more per cycle required for the disclosed APY tiers (up to 2.00% APY).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$5,000 – $10,000Tier 1. Combined balances $5,000.00–$9,999.99 determine the rate; APY applies only to the savings portion. Minimum $0.01 in the savings section to accrue interest.	0.30%	—	Tier 1. Combined balances $5,000.00–$9,999.99 determine the rate; APY applies only to the savings portion. Minimum $0.01 in the savings section to accrue interest.
$10,000 – $25,000Tier 2. Combined balances $10,000.00–$24,999.99. Rate applies only to the savings portion; $0.01 minimum in that section to accrue interest.	0.30%	$30	Tier 2. Combined balances $10,000.00–$24,999.99. Rate applies only to the savings portion; $0.01 minimum in that section to accrue interest.
$25,000 – $50,000Tier 3. Combined balances $25,000.00–$49,999.99. Rate applies only to the savings portion; $0.01 minimum in that section to accrue interest.	0.60%	—	Tier 3. Combined balances $25,000.00–$49,999.99. Rate applies only to the savings portion; $0.01 minimum in that section to accrue interest.
$50,000 – $100,000Tier 4. Combined balances $50,000.00–$99,999.99. Rate applies only to the savings portion; $0.01 minimum in that section to accrue interest.	0.90%	—	Tier 4. Combined balances $50,000.00–$99,999.99. Rate applies only to the savings portion; $0.01 minimum in that section to accrue interest.
$100,000 – $250,000Tier 5. Combined balances $100,000.00–$249,999.99. Interest rate 1.09% and APY 1.10% apply only to the savings portion; $0.01 minimum in that section to accrue interest.	1.10%	—	Tier 5. Combined balances $100,000.00–$249,999.99. Interest rate 1.09% and APY 1.10% apply only to the savings portion; $0.01 minimum in that section to accrue interest.
$250,000 – $1,000,000Tier 6. Combined balances $250,000.00–$999,999.99. Interest rate 1.49% and APY 1.50% apply only to the savings portion; $0.01 minimum in that section to accrue interest.	1.50%	—	Tier 6. Combined balances $250,000.00–$999,999.99. Interest rate 1.49% and APY 1.50% apply only to the savings portion; $0.01 minimum in that section to accrue interest.
$1,000,000 and upTier 7. Combined balances $1,000,000.00 or more. Interest rate 1.98% and APY 2.00% apply only to the savings portion; $0.01 minimum in that section to accrue interest.	2.00%	—	Tier 7. Combined balances $1,000,000.00 or more. Interest rate 1.98% and APY 2.00% apply only to the savings portion; $0.01 minimum in that section to accrue interest.

Sources (3)

All captured Oct 22, 2026

Ahorra Account

Up to 0.30%APYRequirements apply$1 to open

Variable-rate consumer savings for individuals 18+ (personal/household use) residing in the U.S. or its territories. Average daily balance method; interest compounded and credited monthly. An average daily balance of $500 is required during the cycle to accrue the disclosed APY. No fees for the first three cycles; thereafter a $7 monthly minimum-balance fee applies if average daily balance is under $500. ATH Móvil and People Pay available on this account. Marketing pages also list a $25 opening deposit; TISA/disclosure and later product pages state $1.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$500 – $1,000Ahorra with Libre relationship / Libre+ APY on $500.00–$999.99. Must be primary holder of both accounts. Additional +0.10% APY vs standard activates after three consecutive cycles of eligible direct deposits of $1,500 or more per cycle into Cuenta Libre (reflected next cycle; remains while requirements are met). Older marketing instead required $2,000 per cycle. Table states this APY for $500–$24,999.99. Interest rate for the relationship APY is not separately stated.	0.30%	—	Ahorra with Libre relationship / Libre+ APY on $500.00–$999.99. Must be primary holder of both accounts. Additional +0.10% APY vs standard activates after three consecutive cycles of eligible direct deposits of $1,500 or more per cycle into Cuenta Libre (reflected next cycle; remains while requirements are met). Older marketing instead required $2,000 per cycle. Table states this APY for $500–$24,999.99. Interest rate for the relationship APY is not separately stated.
$500 – $1,000Standard tier. Average daily balance $500.00–$999.99 required to accrue this rate. $7 monthly minimum-balance fee waived for first three cycles and thereafter if average daily balance is $500 or more.	0.20%	—	Standard tier. Average daily balance $500.00–$999.99 required to accrue this rate. $7 monthly minimum-balance fee waived for first three cycles and thereafter if average daily balance is $500 or more.
$1,000 – $10,000Ahorra with Libre relationship / Libre+ APY on $1,000.00–$9,999.99. Primary holder of both accounts. +0.10% APY after three consecutive Libre direct-deposit cycles of $1,500 or more each (older pages: $2,000). Interest rate not separately stated.	0.30%	—	Ahorra with Libre relationship / Libre+ APY on $1,000.00–$9,999.99. Primary holder of both accounts. +0.10% APY after three consecutive Libre direct-deposit cycles of $1,500 or more each (older pages: $2,000). Interest rate not separately stated.
$1,000 – $10,000Standard tier. Average daily balance $1,000.00–$9,999.99. $7 monthly minimum-balance fee waived for first three cycles and thereafter if average daily balance is $500 or more.	0.20%	—	Standard tier. Average daily balance $1,000.00–$9,999.99. $7 monthly minimum-balance fee waived for first three cycles and thereafter if average daily balance is $500 or more.
$10,000 – $25,000Ahorra with Libre relationship / Libre+ APY on $10,000.00–$24,999.99. Primary holder of both accounts. +0.10% APY after three consecutive Libre direct-deposit cycles of $1,500 or more each (older pages: $2,000). Interest rate not separately stated.	0.30%	$30	Ahorra with Libre relationship / Libre+ APY on $10,000.00–$24,999.99. Primary holder of both accounts. +0.10% APY after three consecutive Libre direct-deposit cycles of $1,500 or more each (older pages: $2,000). Interest rate not separately stated.
$10,000 – $25,000Standard tier. Average daily balance $10,000.00–$24,999.99. $7 monthly minimum-balance fee waived for first three cycles and thereafter if average daily balance is $500 or more.	0.20%	$20	Standard tier. Average daily balance $10,000.00–$24,999.99. $7 monthly minimum-balance fee waived for first three cycles and thereafter if average daily balance is $500 or more.
$25,000 – $100,000Standard tier. Average daily balance $25,000.00–$99,999.99. $7 monthly minimum-balance fee waived for first three cycles and thereafter if average daily balance is $500 or more.	0.30%	—	Standard tier. Average daily balance $25,000.00–$99,999.99. $7 monthly minimum-balance fee waived for first three cycles and thereafter if average daily balance is $500 or more.
$100,000 – $250,000Standard tier. Average daily balance $100,000.00–$249,999.99. $7 monthly minimum-balance fee waived for first three cycles and thereafter if average daily balance is $500 or more.	0.35%	—	Standard tier. Average daily balance $100,000.00–$249,999.99. $7 monthly minimum-balance fee waived for first three cycles and thereafter if average daily balance is $500 or more.
$250,000 and upStandard tier. Average daily balance $250,000.00 or more. $7 monthly minimum-balance fee waived for first three cycles and thereafter if average daily balance is $500 or more.	0.45%	—	Standard tier. Average daily balance $250,000.00 or more. $7 monthly minimum-balance fee waived for first three cycles and thereafter if average daily balance is $500 or more.

Sources (4)

All captured Oct 22, 2026

Special-purpose accounts

ABC Account

Up to 2.00%APYKids and teensRequirements apply$5 to open

Tiered variable-rate savings for children and teens through age 18 (personal/household). Opened in the minor’s name with parent, relative, or court-appointed guardian as representative. Minimum opening deposit $5. Average daily balance of $5 required during the cycle to accrue interest and to avoid the $1 monthly minimum-balance fee. Generally for consumers with primary residence in Puerto Rico. ATH Móvil and People Pay not available.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upElite relationship match, Elite Level 7 (combined $1,000,000.00 or more; 1.98% interest / 2.00% APY). Applied to ABC regardless of ABC balance; $5.00 ABC average daily balance required to earn interest.	2.00%	$200	Elite relationship match, Elite Level 7 (combined $1,000,000.00 or more; 1.98% interest / 2.00% APY). Applied to ABC regardless of ABC balance; $5.00 ABC average daily balance required to earn interest.
$5 and upElite relationship match, Elite Level 6 (combined $250,000.00–$999,999.99; 1.49% interest / 1.50% APY). Disclosure example applies this rate to ABC regardless of ABC balance; $5.00 ABC average daily balance required to earn interest.	1.50%	$150	Elite relationship match, Elite Level 6 (combined $250,000.00–$999,999.99; 1.49% interest / 1.50% APY). Disclosure example applies this rate to ABC regardless of ABC balance; $5.00 ABC average daily balance required to earn interest.
$5 and upElite relationship match, Elite Level 5 (combined $100,000.00–$249,999.99; 1.09% interest / 1.10% APY). Applied to ABC regardless of ABC balance; $5.00 ABC average daily balance required to earn interest.	1.10%	$110	Elite relationship match, Elite Level 5 (combined $100,000.00–$249,999.99; 1.09% interest / 1.10% APY). Applied to ABC regardless of ABC balance; $5.00 ABC average daily balance required to earn interest.
$5 and upElite relationship match, Elite Level 4 (combined $50,000.00–$99,999.99). Applied to ABC regardless of ABC balance; $5.00 ABC average daily balance required to earn interest.	0.90%	$90	Elite relationship match, Elite Level 4 (combined $50,000.00–$99,999.99). Applied to ABC regardless of ABC balance; $5.00 ABC average daily balance required to earn interest.
$5 and upElite relationship match, Elite Level 3 (combined $25,000.00–$49,999.99). Applied to ABC regardless of ABC balance; $5.00 ABC average daily balance required to earn interest.	0.60%	$60	Elite relationship match, Elite Level 3 (combined $25,000.00–$49,999.99). Applied to ABC regardless of ABC balance; $5.00 ABC average daily balance required to earn interest.
$5 and upElite relationship match, Elite Level 1. Primary Elite holder must be parent, relative, or legal guardian of the minor. Elite combined balances $5,000.00–$9,999.99; that Elite savings APY/interest rate is applied to the ABC balance regardless of ABC balance. ABC still needs $5.00 average daily balance in the cycle to earn interest.	0.30%	$30	Elite relationship match, Elite Level 1. Primary Elite holder must be parent, relative, or legal guardian of the minor. Elite combined balances $5,000.00–$9,999.99; that Elite savings APY/interest rate is applied to the ABC balance regardless of ABC balance. ABC still needs $5.00 average daily balance in the cycle to earn interest.
Up to $1,000Standard tier. Average daily balance $5.00–$999.99. $1 monthly fee if average daily balance is under $5.00.	0.15%	—	Standard tier. Average daily balance $5.00–$999.99. $1 monthly fee if average daily balance is under $5.00.
$1,000 – $10,000Standard tier. Average daily balance $1,000.00–$9,999.99. $1 monthly fee if average daily balance is under $5.00.	0.20%	—	Standard tier. Average daily balance $1,000.00–$9,999.99. $1 monthly fee if average daily balance is under $5.00.
$10,000 – $25,000Standard tier. Average daily balance $10,000.00–$24,999.99. $1 monthly fee if average daily balance is under $5.00.	0.20%	$20	Standard tier. Average daily balance $10,000.00–$24,999.99. $1 monthly fee if average daily balance is under $5.00.
$25,000 – $50,000Standard tier. Average daily balance $25,000.00–$49,999.99. $1 monthly fee if average daily balance is under $5.00.	0.20%	—	Standard tier. Average daily balance $25,000.00–$49,999.99. $1 monthly fee if average daily balance is under $5.00.
$50,000 and upStandard tier. Average daily balance $50,000.00 or more. $1 monthly fee if average daily balance is under $5.00.	0.25%	—	Standard tier. Average daily balance $50,000.00 or more. $1 monthly fee if average daily balance is under $5.00.

Sources (2)

All captured Oct 22, 2026

Ahorro Club

0.35%APY · 2 termsClubFrom $5 to open

Term savings with required recurring automatic deposits (at least one per month). Available to U.S./territory residents for personal/household use. Terms of 6 or 12 months; balance paid at term-end by automatic transfer. Average daily balance of $5.00 required during the cycle to accrue interest. TISA opening minimum $5.00; some marketing pages list $1,000. $5 charge each for partial withdrawals or closing before the chosen term. ATH Móvil and People Pay not available.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsSix-month term. Rate for average daily balance $5.00 or more. Requires scheduled recurring automatic deposits. Variable rate at bank discretion	0.35%	$17
12 monthsTwelve-month term. Rate for average daily balance $5.00 or more. Requires scheduled recurring automatic deposits. Variable rate at bank discretion	0.35%	$35

Sources (3)

All captured Oct 22, 2026

Opening an account

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