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Banco Popular Rates & Review September 2026

Q: How many branches does Banco Popular operate?

Banco Popular currently maintains approximately 164 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Banco Popular does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Banco Popular provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Banco Popular's Credit Card Rates are at 16.74%. MonitorBankRates evaluates the financial stability of Banco Popular with a 4.1 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 17.83%. Rates last updated and verified on 09/23/2026.

Banco Popular money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Banco Popular? Share your experience about Banco Popular by leaving a review below, or read customer reviews before you decide to use Banco Popular.

Overall Health & Safety Grade

B-

Adequate Health Score: 82/100

MonitorBankRates Rating

4.1

Excellent Out of 5.0 Stars

Texas Ratio

17.83%

Good Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Banco Popular de Puerto Rico

209 Avenida Luis Munoz Rivera
San Juan, PR 00918

https://www.popular.com

Banco Popular Credit Card Rates

Product	Rate	APR	View More
Visa Cobalt Infinite	-	16.74%
Details Variable APR on purchases and balance transfers. Annual fee: $199. No foreign currency conversion fees. Last Updated 09/16/2026 Institution Ratings 4.1 Star Rating B- Health Grade ◈ Texas Ratio: 17.83%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Banco Popular’s Texas Ratio fell from 28.92% in Q3 2023 to 17.83% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 1.0 to 4.1 and its Health Grade from F to B-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$63.3B	17.83%	4.1	B-
March 31, 2026	$60.6B	18.12%	4.0	B-
December 31, 2025	$59.8B	19.30%	4.0	C+
September 30, 2025	$59.6B	18.75%	4.0	B-
June 30, 2025	$60.8B	14.25%	3.9	B-
March 31, 2025	$59.1B	16.09%	3.5	C+
December 31, 2024	$58.5B	18.63%	3.1	C-
September 30, 2024	$56.8B	17.70%	3.6	C+
June 30, 2024	$58.3B	19.84%	2.7	D
March 31, 2024	$57.1B	21.30%	2.6	D
December 31, 2023	$56.9B	22.63%	2.6	D
September 30, 2023	$56.9B	28.92%	1.0	F

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Banco Popular is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Banco Popular rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Banco Popular's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Banco Popular

Bank Holding Company POPULAR INC

Address 209 Avenida Luis Munoz Rivera, San Juan, PR 00918 · San Juan

Website https://www.popular.com

FDIC Certificate # 34968

Established 19990102

FDIC Insurance Date 19990102

Domestic Offices 1

Total Branches 164

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B-

Overall Health Grade Score: 82/100

4.1

Excellent Out of 5.0 Stars

17.83%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3781%

Return on Equity (ROE) 21.7800%

Non-Performing Loans (NPL) 1.06%

Total Assets $63,342,000,000

Total Deposits $58,725,000,000

Equity Capital $4,032,000,000

Net Income $422,000,000

Headquarters San Juan

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Banco Popular

How many branches does Banco Popular operate?

Banco Popular currently maintains approximately 164 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Banco Popular does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Banco Popular provides members with tools to manage their accounts and build a solid financial history.

Does Banco Popular offer online and mobile banking?

Most modern institutions like Banco Popular provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.popular.com.