Puerto Rico Federal Credit Union


Overview / Commentary
787-749-0500
55 Calle Resolucion
Caparra, PR 00920

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 1,199th largest credit union in the nation. It was established in 1960 and as of June of 2023, it had grown to 46 employees and 23,011 members at 4 locations. Puerto Rico Federal Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Puerto Rico Federal Credit Union is open to the following: (1) employees and members of the Ponce Museum of Art of Puerto Rico (MAP) or by contribution through a donation ($50 for individuals); (2) employees or partners of Sprint, AT&T, The Condado Plaza Hilton, Sistema de Salud Episcopal San Lucas, Open Mobile, San Juan Resort & Stellaris Casino Marriott, Marsh, Claro, Senado government of Puerto Rico; (3) retired and active employees, immediate family, and individuals who live, work, study, or congregate in San Juan.
See current membership details

Reviews (2)

Best Credit Union At Puerto Rico

Posted by: |

Excellent services and facilities.

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

Health Grade Components

Overall
NCUA #13939
Year Chartered1960
Employees46
Primary Regulator
Profit Margin
Return on Assets - YTD-0.67%
Return on Equity - YTD-7.71%
Annual Interest Income$3.8MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$216.9MM$207.9MM
LoansQ2 2023vs Q2 2022$140.4MM$89.7MM
DepositsQ2 2023vs Q2 2022$197.3MM$183.1MM
Equity CapitalQ2 2023vs Q2 2022$18.5MM$20.8MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$1.2MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$189.00K$681.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Puerto Rico Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

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

Puerto Rico Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$5-Summer Actions Savings
1.00%$5-Christmas Actions Savings
1.00%$20-IRA Club Savings Account
0.35%*$50k*-Regular Share
OTHER TIERS: 0.20% $5 - $3k | 0.25% $3k - $10k | 0.30% $10k - $50k
0.35%*$50k*-Savings Account
OTHER TIERS: 0.20% $5 - $3k | 0.25% $3k - $10k | 0.30% $10k - $50k
0.35%*$50k*-Youth Savings Account
OTHER TIERS: 0.20% $5 - $3k | 0.25% $3k - $10k | 0.30% $10k - $50k
0.35%*$50k*-Children Share Accounts
OTHER TIERS: 0.20% $5 - $3k | 0.25% $3k - $10k | 0.30% $10k - $50k
0.10%$5-Collateral Savings

Puerto Rico Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$5-Easy Access Checks

Puerto Rico Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-1 Year Share Certificate
3.85%$1k-2 Year Share Certificate
3.25%$1k-3 Year Share Certificate
2.75%$1k-4 Year Share Certificate
2.50%$1k-5 Year Share Certificate
1.75%$1k-6 Month Share Certificate
Locations


Puerto Rico Federal Credit Union Locations
Branch Office55 Calle ResolucionCaparra, PR 00920-2727
Branch Officecarr. 113 km 12.2 Barrio Cacao Sector La RomanaQuebradillas, PR 00678-0067
Branch Office35 Ramey Shopping CtrAguadilla, PR 00603-1262
Branch Office148 Bda Felix Cordova Davila Plaza KaromaManati, PR 00674

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