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Puerto Rico Federal Credit Union

Popular Accounts at this Credit Union

1.65%5-year CD5 Year Share Certificate
1.00%1-year CD1 Year Share Certificate
0.51%SavingsShare Savings Account

Overview / Commentary
55 Calle Resolucion
Caparra, PR 00920-2727

Puerto Rico Federal Credit Union is headquartered in Caparra and is the 3rd largest credit union in the state of PR. It is also the 1,314th largest credit union in the nation. It was established in 1960 and as of June of 2016, it had grown to 30 employees and 20,219 members at 1 location. Puerto Rico Federal Credit Union's CD rates are 11% higher than the national average, and it has an A health rating.

Reviews (1)

Best Place For My Savings

I love my account in the Puerto Rico Federal Credit Union. I use it strictly for savings because it is out of the way for me and therefore impossible for me to access my funds if the temptation were to come around. I have a regular savings account, which used to be better, to be honest. I used to have an interest of 0.9% in that account, but in the course of a year they slowly lowered it to 0.5%, which made me look for options. They have pretty decent CD rates, which I was tempted with. A one year CD is valued at 1.00%, which tempted me, but I didn't particularly want to lock in my savings for that long in case an emergency came along. I settled on their Christmas Club, which had the same interest rate and automatically transferred my funds back to regular savings on November. Not bad. Also, I could make deposits during the year on which I could gain interest on. Bottom line, I've quadrupled my savings in the past three years by using this credit union's services. I'd suggest their services to anybody who lives in the metropolitan area in Puerto Rico.


Health Grade Components

NCUA #13939
Year Chartered1960
Primary Regulator
Profit Margin
Return on Assets - YTD0.19%
Return on Equity - YTD1.12%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$130.9MM$131.8MM
LoansQ2 2016vs Q2 2015$56.6MM$58.7MM
DepositsQ2 2016vs Q2 2015$108.2MM$109.2MM
Equity CapitalQ2 2016vs Q2 2015$21.8MM$21.6MM
Loan Loss AllowanceQ2 2016vs Q2 2015$751.00K$782.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$231.00K$492.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$421.00K
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Puerto Rico Federal Credit Union Savings Account Rates

1.01%--Summer Share Account
1.01%--Christmas Share Account
0.51%--Regular Share Account
0.51%--Share Savings Account
0.51%--Youth Share Account
0.51%--Newborn Share Account
0.51%$20-IRA Club Share Account

Puerto Rico Federal Credit Union Checking Account Rates

0.51%--Checking Account

Puerto Rico Federal Credit Union CD Rates

1.65%$1k-5 Year Share Certificate
1.45%$1k-4 Year Share Certificate
1.30%$1k-3 Year Share Certificate
1.20%$1k-2 Year Share Certificate
1.00%$1k-1 Year Share Certificate
0.95%$1k-6 Month Share Certificate

Puerto Rico Federal Credit Union IRA Rates

1.65%$1k-5 Year IRA Share Certificate
1.45%$1k-4 Year IRA Share Certificate
1.30%$1k-3 Year IRA Share Certificate
1.20%$1k-2 Year IRA Share Certificate
1.00%$1k-1 Year IRA Share Certificate
0.95%$1k-6 Month IRA Share Certificate

Puerto Rico Federal Credit Union Locations
Branch Office55 Calle ResolucionCaparra, PR 00920-2727