Oriental Bank

Overview / Commentary
254 Munoz Rivera Avenue
San Juan, PR 00918

Oriental Bank and Trust is a Puerto Rico-based bank that is a subsidiary of OFG Bancorp, a publicly traded bank holding company listed on the New York Stock Exchange (Symbol:OFG). Though the bank’s only branches are located in Puerto Rico, United States residents are free to open accounts via the online banking channel. Oriental is regulated by the FDIC and thus abides by both U.S. and Puerto Rico laws and statutes.

Oriental Bank and Trust offers personal and business banking products, as well as investment management services through bank advisors. Checking accounts offered on the personal banking side all include a debit card, direct deposit capabilities, and access to online banking. Also on its personal banking side are savings and Certificate of Deposit (CD) accounts that offer various features and interest rates to account holders. A children’s savings and a teen savings account are both available with no service charges as long as a very small amount is kept in the account. Oriental’s CDs range in term lengths from 1 month to 5 years and offer a fixed interest rate. On the business banking side, Oriental offers cash management services, lines of credit, and point of sale systems to help businesses achieve growth and operational stability.

Oriental Bank and Trust online banking provides a web-based platform for consumers to verify account balances, review transactions, view check images, make electronic fund transfers, and pay bills. The Oriental website is set up for mobile banking, as well, giving customers a convenient way to bank on the go from their smartphones or tablets. The website also includes educational resources for consumers of all ages to help with product definition and financial guidance.

Oriental was originally established in 1965 as the Oriental Federal Savings Bank and changed its organization type with the FDIC to commercial bank. It is headquartered in San Juan, Puerto Rico and recently changed its name to Oriental Bank. It serves its customers through multiple branches located across the island commonwealth.

Reviews (2)

2.02% Rate

Posted by: |

Having just contacted the bank, the rate is now 2.0% and will be 1.75% next month. The rates can change every 2 weeks. Their web site does not disclose their rates.

Worse Bank Ever

Estimado oriental, queria compartir con ustedes una foto. Este es Oriental Bank en Guayama. A donde entre hoy con un cheque de su propio banco, a cambiar mi cheque. Entre con licencia expirada, con tarjeta electoral, ID universitario y ID laboral y hasta con tarjeta de seguro social. No me pudieron atender por su politica en contra del ciudadano. Gracias a ustedes no podre pagarle a mi mecanico ni renovar mi licencia. Es decir, no podre ir a trabajar. Millones de gracias por quitarle el plato de comida a mi hija de 4 y a mi hijo de 17 meses y por anadirme a mi a la cifra de mas del 60% de la isla que esta desempleada. #agradeceladiferencia


Health Grade Components

FDIC Certificate #31469
Year Established1965
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD5.02%
Annual Interest Income$246.5MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$9.89B$6.40B
LoansQ2 2020vs Q2 2019$6.74B$4.47B
DepositsQ2 2020vs Q2 2019$8.56B$4.95B
Equity CapitalQ2 2020vs Q2 2019$1.03B$1.02B
Loan Loss AllowanceQ2 2020vs Q2 2019$232.7MM$162.6MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$264.0MM$213.4MM
Real Estate OwnedQ2 2020vs Q2 2019$24.8MM$29.5MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Oriental Bank Savings Account Rates

1.51%--IRA Annuity Roth
1.51%--IRA Annuity
OTHER TIERS: 0.20% $500 - $25k | 0.40% $25k - $100k | 0.50% $100k - $250k
0.55%*$250k*-Commercial Savings Accounts
OTHER TIERS: 0.20% $5k - $25k | 0.30% $25k - $100k | 0.40% $100k - $250k
0.55%*$200k*-Business Non-Profit
OTHER TIERS: 0.20% Up to $25k | 0.40% $25k - $200k
0.50%--IRA Facil
0.50%*$25k*-ABC & YES!
OTHER TIERS: 0.30% $1 - $25k

Oriental Bank Checking Account Rates

0.79%--Business Gobierno Checking
0.25%*$100k*-PROGRESA Checking
OTHER TIERS: 0.10% $500 - $25k | 0.20% $25k - $100k

Oriental Bank CD Rates

1.51%$100k-Business 3 Year CD
1.51%$100k-Business 5 Year CD
1.51%$100k-3 Year Non-Profit CD
1.51%$100k-5 Year Non-Profit CD
1.46%$1k-5 Year CD
1.26%$100k-Business 2 Year CD
1.26%$100k-2 Year Non-Profit CD
1.21%$1k-3 Year CD
1.06%$1k-2 Year CD
1.00%$100k-Business 18 Month CD
1.00%$100k-18 Month Non-Profit CD
0.85%$1k-18 Month CD
0.85%$100k-Business 12 Month CD
0.85%$100k-12 Month Non-Profit CD
0.75%$1k-12 Month CD
0.65%$100k-Business 9 Month CD
0.65%$100k-9 Month Non-Profit CD
0.60%$1k-9 Month CD
0.55%$100k-Business 6 Month CD
0.55%$100k-6 Month Non-Profit CD
0.50%$100k-Business 3 Month CD
0.50%$100k-3 Month Non-Profit CD
0.45%$1k-6 Month CD
0.35%$1k-3 Month CD
0.30%$1k-1 Month CD
0.25%$100k-Business 1 Month CD
0.25%$100k-1 Month Non-Profit CD

Oriental Bank IRA Rates

1.26%--10 Year IRA
1.00%--5 Year IRA
0.80%--3 Year IRA
0.65%--2 Year IRA
0.50%--1 Year IRA

Sorry, but we do not have location data for Oriental Bank. Its headquarters is located at 254 Munoz Rivera Avenue - San Juan, PR 00918

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