Compare Bank & Credit Union Rates
Best savings rates in Puerto Rico
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Puerto Rico
- 3.00%APY$300 a year on $10,000
Requirements
Product: Available in select markets/states to applicants with qualifying residential address. Monthly service fee is waived for accounts with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Everyday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account.
2.96% interest rate · $4.50 monthly fee
Rate checked
More details - 2.70%APY$270 a year on $10,000
Requirements
Product: Must become a member of PenFed Credit Union. Account holders must agree to electronic delivery of account opening disclosures and monthly statements.
2.67% interest rate · No monthly fee · Effective Oct 9, 2026
Rate checked
More details - GE Credit UnionMoney MarketMoney Market · $100 min · 0.30%–1.25% by balance
Credit union · 4 branches
0.50%APY$50 a year on $10,000Requirements
Product: Tiered rates compound monthly. Some rates are not available in Puerto Rico.
Offer: Balances below $2,500. Some rates are not available in Puerto Rico.
0.30% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.30% $2,500 – $24,999Your amount 0.50% $25,000 – $49,999 0.85% $50,000 – $99,999 1.00% $100,000 and up 1.25% Rate checked
More details - JetStream FCUMoney Market AccountMoney Market Account · $2,500 min · 0.25%–0.75% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Membership Eligibility: Residency (Broward or Miami-Dade County, Florida, or in Carolina, Trujillo Alto, or San Juan, Puerto Rico), Family (immediate family of member), or Employment (Select Employee Groups).
Effective Aug 28, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and up 0.25% $10,000 and upYour amount 0.35% $25,000 and up 0.45% $50,000 and up 0.75% $100,000 and up 0.75% $200,000 and up 0.75% Rate checked
More details - 0.30%APY$30 a year on $10,000with conditions
Requirements
Product: 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).
Offer: 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.
Qualified rate · 0.30% interest rate
Rate by balance
Rate by balance for Elite Account Balance APY $5,000 – $10,000 0.30% $10,000 – $25,000Your amountTier 2. Rate applies only to the savings portion; $0.01 minimum in that section to accrue interest. 0.30% $25,000 – $50,000Tier 3. Rate applies only to the savings portion; $0.01 minimum in that section to accrue interest. 0.60% $50,000 – $100,000Tier 4. Rate applies only to the savings portion; $0.01 minimum in that section to accrue interest. 0.90% $100,000 – $250,000Tier 5. 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% $250,000 – $1,000,000Tier 6. 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% $1,000,000 and upTier 7. 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% Rate checked
More details - 0.30%APY$30 a year on $10,000with conditions
Requirements
Product: 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.
Offer: 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.
Qualified rate · $7 monthly fee
Rate by balance
Rate by balance for Ahorra Account Balance APY $500 – $1,000 0.30% $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% $10,000 – $25,000Your amountAhorra 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% $25,000 – $100,000Standard tier. $7 monthly minimum-balance fee waived for first three cycles and thereafter if average daily balance is $500 or more. 0.30% $100,000 – $250,000Standard tier. $7 monthly minimum-balance fee waived for first three cycles and thereafter if average daily balance is $500 or more. 0.35% $250,000 and upStandard tier. $7 monthly minimum-balance fee waived for first three cycles and thereafter if average daily balance is $500 or more. 0.45% Rate checked
More details - 0.20%APY$20 a year on $10,000with conditions
Requirements
Product: 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.
Offer: 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.
Qualified rate · 0.20% interest rate · $7 monthly fee
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Avoid $20 monthly maintenance fee by maintaining a $25,000 combined monthly average balance. $10,000 minimum daily balance to earn interest.
Offer: Avoid $20 monthly maintenance fee by maintaining a $25,000 combined monthly average balance. $10,000 minimum daily balance to earn interest.
$20 monthly fee · Effective May 18, 2026
Rate by balance
Rate by balance for Money Market Max Balance APY $10,000 – $50,000Your amount 0.15% $50,000 – $100,000 0.50% $100,000 and up 1.35% Rate checked
More details - 0.12%APY$12 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Citigold Private Client relationship tier (requires $800,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold Private Client tier.
Qualified rate · 0.12% interest rate · $4.50 monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Avoid $15 monthly maintenance fee by maintaining a $2,500 combined monthly average balance. $2,500 minimum daily balance to earn interest.
Offer: Avoid $15 monthly maintenance fee by maintaining a $2,500 combined monthly average balance. $2,500 minimum daily balance to earn interest.
$15 monthly fee · Effective May 18, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $50,000Your amount 0.10% $50,000 – $100,000 0.20% $100,000 and up 0.30% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Must maintain a minimum of $5 in account to maintain Membership in the Credit Union. Account must maintain an overall deposit balance of $250 coupled with a credit union loan to avoid an Account Relationship fee. Can be used as overdraft protection.
Offer: Dividend rate 0.10%, variable rate, compounded and paid monthly. $5 monthly fee/Account Relationship fee applies unless meeting relationship requirements ($250 overall deposit balance coupled with a credit union loan). $5 minimum balance.
0.10% interest rate · $5 monthly fee · Effective Aug 28, 2026
Rate checked
More details - 0.09%APY$9 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Citigold relationship tier (requires $180,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold tier.
Qualified rate · 0.09% interest rate · $4.50 monthly fee
Rate checked
More details - 0.06%APY$6 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Citi Priority relationship tier (requires $30,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citi Priority tier.
Qualified rate · 0.06% interest rate · $4.50 monthly fee
Rate checked
More details - PenFed Credit UnionMoney Market Savings AccountMoney Market Savings Account · $25 min
Credit union · 7 branches
0.05%APY$5 a year on $10,0000.05% interest rate · Effective Oct 9, 2026
Rate checked
More details - BCURegular Money MarketRegular Money Market · $1,000 min · 0.05%–0.30% by balance
Credit union · 9 branches
0.05%APY$5 a year on $10,000Requirements
Product: No minimum monthly balance and no maintenance fees. Up to six penalty-free withdrawals per month.
0.05% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Regular Money Market Balance APY $1,000 – $24,999Your amount 0.05% $25,000 – $99,999 0.10% $100,000 – $249,999 0.15% $250,000 – $499,999 0.20% $500,000 and up 0.30% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Puerto Rico
22 accounts at 8 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 0.49%
- Banks, typical
- 0.12%
- Credit unions, typical
- 0.05%
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Puerto Rico
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- PenFed Credit UnionCredit union · 7 branches
- CitiBank · 2 branches