You may like the Oriental Bank ¡Ahorra! Account if you can maintain a $500 average daily balance, because then you'll earn interest and waive the monthly service fee. You would still earn a much better rate with the best high-yield savings accounts online, though.

The Oriental Bank Libre Account is a solid checking account with a low minimum opening deposit. You can waive monthly fees by enrolling in e-statements, and you have free overdraft protection when you link it to another Oriental account.

Oriental Bank CD rates are on par with the average CD rates. But you'll still earn the best CD rates with online banks, especially on shorter terms.

Oriental is the only bank that doesn't charge a monthly maintenance fee or ATM fees outside it's network. The mobile app is useful but the interface is not very modern. They don't pay interest on checking or savings.

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.