Compare Bank & Credit Union Rates
Best savings rates in Guayama, PR
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–6 results in Guayama Municipio, PR · Few institutions in Guayama Municipio, PR: choose a wider area in the filters
- 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 - BCURegular Money MarketRegular Money Market · $1,000 min · 0.05%–0.30% by balance
Credit union · 1 branch
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 - 0.01%APY$1 a year on $10,000
Requirements
Product: Foundational account for credit union membership. Up to 6 penalty-free withdrawals per month.
Offer: BCU covers the $1 minimum deposit requirement. No monthly maintenance fees. Up to 6 penalty-free withdrawals per month.
0.01% interest rate · No monthly fee
Rate checked
More details - VAPR Federal Credit UnionRegular Shares / Cuentas de AccionesSavings · $30 min · 0.00%–0.05% by balance
Credit union · 1 branch
0.00%APY$0 a year on $10,000intro rateRequirements
Product: Keep account active to avoid inactivity fees. Minimum to open is $30.00 (Spanish page / English page). Rates effective through November 30, 2026.
Promotional rate · 0.00% interest rate · Effective Nov 30, 2026
Rate by balance
Rate by balance for Regular Shares / Cuentas de Acciones Balance APY Up to $24,999Your amount 0.00% $25,000 and up 0.05% 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 Guayama Municipio, PR
6 accounts at 3 banks and credit unions · checked Oct 17–22
- Typical
- 0.13%
- Top 10% from
- 0.30%
- Banks, typical
- 0.30%
- Credit unions, typical
- 0.01%
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Puerto Rico
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Ranked across their CDs, savings, auto loans and credit cards. How scores work
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