Cooperativa de Ahorro y Crédito Florida

What their website says about applying

• Carta de empleo y tres talonarios recientes source
• Recibo de Utilidades de AAA o AEE para validar la dirección no más de sesenta (60) días vencidas. 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.

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.

• Collateral required Requiere garantía colateral como: firma garantizadora, seguro o acciones source
• Membership required Ser socio de la Cooperativa source

Only rules the lender's own pages state. Other requirements may apply.

Read 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. The pages do not state a service area or membership eligibility, and auto loan amounts are not stated. Terms change — confirm with the lender before applying.

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.

1. Do you lend where I live, or where my business is?
   Their website does not say which area they serve.
2. How do I become a member, and is there a fee or a minimum deposit?
   Credit unions lend only to their members.
3. What is the APR, including fees, on your auto loans and home mortgages?
   Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare.
4. 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.
5. Do you offer down-payment help, and is a homebuyer education course required?
   CDFI home loans often come with homebuyer education or down-payment help; their website does not say.
6. Can I apply online, or do I need to call or visit?
   We found no online application on their website.
7. 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.

Puerto Rico's cooperativas de ahorro y crédito are supervised and insured by COSSEC, the island's public corporation for cooperatives, not by the NCUA, so they do not appear in federal credit-union data. These figures come from the quarterly report each cooperativa files with COSSEC. Source: COSSEC, Estadísticas Industria Cooperativas de Ahorro y Crédito for the quarter ending 30 Jun 2026 (year-ago figures: quarter ending 30 Jun 2025), downloaded 7 Nov 2026. Size and members show scale, not what it would lend you.

Average rates across Puerto Rico's cooperativas

On loans already on their books on 30 Jun 2026, weighted by balance, across all 91 cooperativas: new-vehicle loans 6.20%, used-vehicle loans 9.74%, first mortgages 5.92%, personal loans to members 9.10%.

These are island-wide averages of existing loans. They are not an APR, not an offer and not this cooperativa's own rates. Ask the cooperativa for the APR it would charge you.

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.

Other certified CDFIs in Florida and Puerto Rico

• COOPERATIVA AHORRO Y CREDITO DE MOCACredit union · Moca, PRAuto / vehicle loans, Small-dollar / emergency loans, Energy / solar / efficiency loans, Home mortgages…Verified
• COOPERATIVA DE AHORRO Y CREDITO AGUADILLACredit union · Aguadilla, PRAuto / vehicle loansVerified
• COOPERATIVA DE AHORRO Y CREDITO CUPEY ALTOCredit union · Cupey Alto, PRAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
• COOPERATIVA DE AHORRO Y CREDITO DE LA FEDERACION DE MAESTROS DE PUERTO RICO (FEDECOOP)Credit union · Rio Piedras, PRAuto / vehicle loans, Small-dollar / emergency loans, Personal / consumer loansVerified
• COOPERATIVA DE AHORRO Y CREDITO NAGUABENACredit union · Naguabo, PRAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loansVerified
• COOPERATIVA DE AHORRO Y CREDITO PADRE SALVADOR RUFFOLO (PARROCOOP)Credit union · Villalba, PRAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loansVerified

All 83 CDFIs in Puerto Rico