Caribe Federal Credit Union

Overview / Commentary

www.caribefederal.com

787-474-5151

195 Calle Oneill
San Juan, PR 00918

Caribe Federal Credit Union is headquartered in San Juan and is the largest credit union in the state of PR. It is also the 612^th largest credit union in the nation. It was established in 1951 and as of December of 2023, it had grown to 142 employees and 53,696 members at 5 locations. Caribe Federal Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Caribe Federal Credit Union is open to employees of the U.S. Government in Puerto Rico or U. S. Virgin Islands, and over 20 area Select Employer Groups.
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Health

Data as of Q4 2023

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Health Grade Components

Overall
NCUA #	7345
Year Chartered	1951
Employees	142
Primary Regulator

Profit Margin
Return on Assets - YTD	1.28%
Return on Equity - YTD	14%
Annual Interest Income	$40.2MM

Assets and Liabilities
Assets	Q4 2023vs Q4 2022	$668.1MM$657.1MM
Loans	Q4 2023vs Q4 2022	$529.8MM$549.1MM
Deposits	Q4 2023vs Q4 2022	$587.4MM$557.5MM
Equity Capital	Q4 2023vs Q4 2022	$61.2MM$67.8MM
Loan Loss Allowance	Q4 2023vs Q4 2022	$21.6MM$8MM
Unbacked Noncurrent Loans	Q4 2023vs Q4 2022	$5.3MM$4.6MM
Real Estate Owned	Q4 2023vs Q4 2022	$56K$56K

Rates

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Savings
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Caribe Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.36%^*	$50k^*	-	Regular Share Account
OTHER TIERS: 1.20% → $5 - $3k \| 1.26% → $3k - $10k \| 1.31% → $10k - $50k
1.36%^*	$50k^*	-	Christmas Club Share Account
OTHER TIERS: 1.20% → $5 - $3k \| 1.26% → $3k - $10k \| 1.31% → $10k - $50k

Caribe Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$5	-	Checking Account (Share Draft)

Caribe Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.85%	$3k	-	3 Year Share Certificate
3.40%	$3k	-	4 Year Share Certificate
3.25%	$3k	-	1 Year Share Certificate
3.25%	$3k	-	2 Year Share Certificate
3.10%	$3k	-	5 Year Share Certificate
1.25%	$3k	-	6 Month Share Certificate

Locations

Caribe Federal Credit Union Locations
Branch Office	Federal Bldg 150 Ave Carlos Chardon Ste 754	San Juan, PR 00918-1704
Branch Office	195 Calle Oneill	San Juan, PR 00918
Branch Office	10A Carr 838 Esq PR-199	Guaynabo, PR 00969-4605
Corporate Office	195 Calle Oneill	San Juan, PR 00918-2404
Branch Office	1233 Ave Hostos	Ponce, PR 00717-0953

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