At a glance
From its website, read 2 Nov 2026Caribe Federal Credit Union is a credit union based in San Juan, Puerto Rico. Its website describes auto loans, commercial real estate loans, credit-builder loans and 5 other loan types. The consumer loan APR it states is 18%. You can start an application online. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (787) 474-5151 source |
|---|---|
| info@caribefederal.com source | |
| Apply online | Page with the application link |
| Website | www.caribefederal.com |
| Office (official list) | 195 O'Neill Street, San Juan, PR 00918 |
What their website says about applying
Contact us at 787-474-5151 or visit your nearest branch for guidance on the process.
sourceFor more information, please press the contact us button to complete the request and we will contact you.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Personal / consumer loans | Rate: up to 18% APR | For existing offers, refer to the interests’ table on the main page. The maximum interest is 18%APR. | source |
| Auto / vehicle loans | Term: see their wording | Términos hasta 72 meses en autos usados | source |
| Auto / vehicle loans | Term: see their wording | Up to 84 months terms for new autos | source |
| Personal / consumer loans | Term: 12 mo–8 yr | Repayments from 12 months to 96 months | source |
| Small-business loans | Term: up to 12 mo | 12-month term, renewable on similar terms (subject to credit approval) | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Collateral required
the Secured Personal Loan doesn't require a credit check and uses your stock account balance or certificate of deposit as collateral.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 22 Jan 2022 |
| RSSD ID | 203986 |
| Address | 195 O'Neill Street, San Juan, PR 00918 Directions (Google Maps) |
| Website | www.caribefederal.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Financiamos hasta 100%*. | source |
| Commercial real estate loans | — | Loan for the purchase of commercial real estate | source |
| Credit-builder loans | up to $5,000 | Cantidad máxima del préstamo: Hasta $5,000.00 | source |
| Energy / solar / efficiency loans | — | Commercial Loan for Photovoltaic Equipment | source |
| Home mortgages | — | Con un préstamo hipotecario de Caribe Federal, logras tener el hogar de tus sueños. | source |
| Personal / consumer loans | up to $70,000 | Préstamos hasta $70,000.00. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | SBA 504 Loans | source |
| Small-business loans | from $25,000 | From $25,000 and up | source |
Loan sizes
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- Spanish
Con un préstamo hipotecario de Caribe Federal, logras tener el hogar de tus sueños.
source
Online application
Yes — the site links to an application. ¡Solicite Ahora!
source
Pages read (7)
- https://www.caribefederal.com/
- https://www.caribefederal.com/prestamo-de-auto/
- https://www.caribefederal.com/prestamos-personales/
- https://www.caribefederal.com/en/prestamo-de-auto/
- https://www.caribefederal.com/en/prestamos-personales/
- https://www.caribefederal.com/en/prestamos-para-negocios/
- https://www.caribefederal.com/prestamos-de-auto-solicitar-informacion/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and credit-builder loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and SBA-backed loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$3.8 million in 2 awards from the U.S. Treasury's CDFI Fund, 2021–2022 (CDFI Equitable Recovery Program; CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as CARIBE (charter 7345). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $799.9 million (as of 30 Jun 2026) |
|---|---|
| Members | 64,987 (as of 30 Jun 2026) |
| Offices | 7 (as of 30 Jun 2026) |
Offices by state and county (7)
Puerto Rico (7 offices)
- Anasco municipio (1): 46 Calle 65 Infanteria, Anasco 00610
- Ponce municipio (1): 1233 Ave Hostos, Ponce 00717
- Rio Grande municipio (1): Pr-3 Km. 24.5, Rio Grande 00745
- San Juan municipio (4): 10a Carr 838 Esq 199, Guaynabo 00969 (main office); 10a Carr 838 Esq Pr-199, Guaynabo 00969; 195 Calle Oneill, San Juan 00918; Federal Bldg, San Juan 00918
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Caribe Federal Credit Union (NCUA charter 7345, filed as “CARIBE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $608.9 million, 42,398 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 0.8% from $613.5 million on 30 Jun 2025 |
| Members | 64,987 (as of 30 Jun 2026); 63,631 (as of 30 Jun 2025) |
| Loans per member | $9,370 (total loans divided by members, 30 Jun 2026) |
| Total assets | $799.9 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $139.3 million | 22.9% |
| Used vehicle loans | $158.6 million | 26.0% |
| First-lien home mortgages (1-4 family) | $41.1 million | 6.7% |
| Other real estate loans (junior liens, other) | $1.7 million | 0.3% |
| Commercial (business) loans | $13.3 million | 2.2% |
| Credit cards | $20.2 million | 3.3% |
| Other unsecured loans | $211.2 million | 34.7% |
| Leases and other secured loans | $23.5 million | 3.9% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Caribe Federal Credit Union reported 81 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $12.3M (median loan about $115,000). 39 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 39 | 48% |
| Refinance (incl. 38 cash-out) | 39 | 48% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 75 | 93% |
| FHA-insured | 4 | 4.9% |
Where the loans were made
Counties with the most 2025 originations, out of 24 counties with at least one; 100% of its 2025 loans were for properties in Puerto Rico:
- San Juan municipio, PR (18)
- Guaynabo municipio, PR (9)
- Carolina municipio, PR (7)
- Bayamon municipio, PR (6)
- Cabo Rojo municipio, PR (5)
- Caguas municipio, PR (5)
- Ponce municipio, PR (4)
- Toa Alta municipio, PR (4)
Filed under LEI 254900KMMJNL0IJNSM73 as “Caribe Federal Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $799.9 million | Larger than 79% of the 284 other certified credit unions nationwide (median $181.2 million). |
| Loans as a share of assets | 76% | Median of the same 284 credit unions: 69%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $613.5 million → $608.9 million (-1%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 56 → 59. |
| Home loans originated in 2025 (HMDA) | 81 | More than 38% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 79% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 56 → 59 of 283 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 38% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 2 SBA-backed approvals for Caribe Federal Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 2 504 projects as the third-party (first-lien) lender
By fiscal year: FY2020 1 · FY2021 0 · FY2022 1 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 0.
By program
- 504 projects (as the third-party lender) (2, 100%)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Caribe FCU”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Caribe Federal Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in San Juan and Puerto Rico
- COOP CIAPRCredit union · San Juan, PROfficial list only
- Cooperativa de Ahorro y Crédito Hermanos UnidosCredit union · San Juan, PROfficial list only
- COOPERATIVA DE AHORRO Y CRÉDITO RICO DAIRY, INC.Credit union · San Juan, PRAuto / vehicle loans, Credit-builder loans, Energy / solar / efficiency loans, Personal / consumer loansVerified
- Cooperativa de Ahorro y Crédito TUCOOPCredit union · San Juan, PRAuto / vehicle loans, Credit-builder loans, Energy / solar / efficiency loans, Personal / consumer loansVerified
- COOPERATIVA DE AHORRO Y CREDITO ANA G. MENDEZCredit union · San Juan, PROfficial list only
- Cooperativa de Ahorro y Credito Autoridad de Carreteras y Obras PublicasCredit union · San Juan, PRPersonal / consumer loansVerified
- Cooperativa de Ahorro y Credito Centro Gubernamental Minillas (Gubecoop)Credit union · San Juan, PRAuto / vehicle loans, Energy / solar / efficiency loans, Home mortgages, Personal / consumer loansVerified
- Cooperativa De Ahorro Y Credito De La Asociacion De Maestros De Puerto RicoCredit union · San Juan, PROfficial list only
Work at Caribe Federal Credit Union? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.