On August 7, 2025, Mexico’s central bank (Banxico) reduced its benchmark interest rate by 25 basis points, bringing it down to 7.75%—the lowest in nearly three years. This marked a slowdown from prior half-point cuts and reflects a cautious monetary policy stance amid persistent inflation risks and weak economic activity.
Unlocking Higher Yields: Why Non‑Bank Financial Services in Mexico Matter
- Higher Returns Than U.S. Bank Savings – Mexico’s deposit interest rates remain elevated compared to the U.S. Average deposit rates stood around 2.5% in mid-2025, still competitive compared to U.S. savings yields that are typically 1% or less. This gap offers clear incentive for global investors seeking better returns.
- Non‑Bank Financial Institutions – A Broader Yield Spectrum – Non‑bank institutions, such as SOFOMs and SOFIPOs, often offer more attractive return options—especially for deposit‑like products or structured deposits. Lending rates at SOFOMs historically exceed those at commercial banks, illustrating the flexibility and return potential of these entities.
- Expanding Financial Inclusion & Access – Programs such as Cetesdirecto allow small investors to access government securities with minimal capital. These instruments, paired with non‑bank structures, create layered yield opportunities for both local and international investors.
Cross‑Border Synergy: Puerto Rico + Mexico
Here’s how savvy global investors can optimize both yield and stability:
| Structure | Advantage |
| Puerto Rico–licensed International Bank | Operates under U.S. regulatory frameworks, offering USD accounts, strong compliance, and investment flexibility. |
| Mexican Non‑Bank Financial Institution (SOFOM / SOFIPO) | Provides access to higher peso-denominated yields, flexible product structures, agility in deployments, and access to local financial markets. |
Strategic Takeaways for Global Investors
- Banxico’s 7.75% base rate remains one of the highest among major economies, making peso investments attractive despite recent easing.
- Non‑bank financial entities in Mexico provide yield-rich alternatives to U.S. bank savings, particularly when combined with government programs and flexible instruments.
- A paired strategy—using a U.S. regulated institution in Puerto Rico alongside a Mexican non‑bank partner—delivers both yield and security.
- Execution is key: Asset structuring, FX risk management, and compliance are essential, and need expert navigation.
Take the Next Step
Contact us today to explore how we can help you build a cross‑border structure that leverages Mexico’s higher yields through a non‑bank financial institution, while maintaining stability and compliance through a U.S. regulated international bank in Puerto Rico. This dual approach offers the best of both worlds—yield and security.