Earning 7–10% Returns with CDs in Puerto Vallarta

For those who are holding cash from a recent property sale, managing rental income, or simply waiting for the right investment opportunity in Puerto Vallarta, Certificates of Deposit (CDs) in Mexico offer a practical way to earn passive returns without taking on additional risk or effort.

Unlike real estate investments, CDs require no maintenance, no tenants, and no active management. They’re a fixed-term savings product offered by banks, where funds are locked in for a set period in exchange for a guaranteed interest rate.

Current CD Rates in Mexico – April 2025

Intercam Bank – “Precisa” Investment

• 8.25% gross annual return for deposits over $1,000,000 MXN (3–6 month terms)

• 7.50% for deposits starting at $10,000 MXN

• Monthly interest payments

• IPAB insured (Mexico’s deposit protection program, similar to FDIC in the U.S.)

• No property ownership required to open

Santander Bank – “Pagaré Super CETE”

• 9.59% gross return on a 35-day term (minimum deposit: $50,000 MXN)

• 7–9% returns available for longer-term CDs

• Openbank, Santander’s digital platform, offering up to 12.5% for qualifying clients

These rates are among the highest currently available and are accessible to both Mexican citizens and foreign investors.

CD Access for Foreigners

Foreigners do not need to own property or hold Mexican residency in order to open a CD in Mexico. Most banks allow foreign nationals to open accounts with the right documentation, such as a passport and a valid visa (temporary or tourist, depending on the bank).

In addition, foreigners are allowed to purchase and sell property in Mexico, which means funds from real estate transactions can be moved into CDs without residency requirements.

Why CDs?

In times of market volatility or between larger investments, CDs offer a way to earn reliable returns with minimal risk. The fixed interest rates and short terms—often ranging from 35 days to one year—make them an appealing option for those looking to keep funds relatively liquid while avoiding the instability of the stock market.

With inflation and currency fluctuations in mind, it’s important to understand both the gross and net returns, as well as the terms for repatriating interest or principal. Working with a local bank or advisor familiar with international clients can help navigate those details.

This blog is intended as a resource for tracking real-time CD opportunities in Puerto Vallarta and exploring practical, low-risk ways to grow capital while living or investing in Mexico. Rates are updated regularly and sourced directly from local institutions.

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