Banco Popular de Puerto RicoMoney market accountChecked Oct 10, 2026Updated
Banco Popular de Puerto Rico Personal Optimum MMA – South Florida
1.20%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- $120 after fees
- Monthly fee
- $15 a month
- To open
- $10,000 to open
- On our list
- #38 of 152 money market accounts, by a year’s value on $10,000
Visit Banco Popular de Puerto RicoThe bank’s own page · checked Oct 10, 2026
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | 0.01% | −$180 |
| $5,000 | 0.01% | −$180 |
| $10,000 | 1.20% | $120 |
| $25,000 | 1.20% | $300 |
| $50,000 | 1.20% | $600 |
| $100,000 | 1.20% | $1,200 |
Rates by balance
| Balance | APY |
|---|---|
| $0.01 to $9,999.99 | 0.01% |
| $10,000 to $24,999.99 | 1.20% |
| $25,000 to $49,999.99 | 1.20% |
| $50,000 to $99,999.99 | 1.20% |
| $100,000 to $249,999.99 | 1.20% |
| $250,000 to $499,999.99 | 1.20% |
| $500,000 to $999,999.99 | 1.20% |
| $1,000,000 and up | 1.20% |
Source: the bank’s rates · as of Oct 10, 2026
Rate conditions
Fees
- Monthly fee
- $15 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- After the first statement cycle, there is a $15 monthly service fee if the minimum daily balance falls below $10,000.Source · checked Oct 10, 2026
- Minimum to open
- $10,000Source · checked Oct 10, 2026
- Overdraft fee
- $10Source · checked Oct 10, 2026
- Returned item (NSF) fee
- $10Source · checked Oct 10, 2026
- Most overdraft fees in a day
- 5Source · checked Oct 10, 2026
- Withdrawals a month
- 6Source · checked Oct 10, 2026
- Fee for each withdrawal over the limit
- $15Source · checked Oct 10, 2026
- ATM network
- Popular ATMs and the Allpoint network of ATMsSource · checked Oct 10, 2026
- Out-of-network ATM fee
- $2Source · checked Oct 10, 2026
- Early closure fee
- $25Source · checked Oct 10, 2026
Features
Branch accessCheck writingDebit cardInterest bearingOverdraft grace period
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money