Cooperativa de Ahorro y Credito Bo. Quebrada de Camuy, P.R.

What their website says about applying

• Toda tramitación puedes hacerla directamente en tu cooperativa, incluyendo la entrega de auto source
• Se requiere factura o cotización source
• Se requiere aprobación de planos por OGPe y permiso de construcción 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.

• Low or damaged credit considered No requiere crédito excelente source

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

Read from 3 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. Loan rates and terms are marked as subject to restrictions, and the service area is not stated on the pages fetched. 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 credit-builder loans?
   Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare.
4. Do you need collateral, a business plan or a minimum time in business?
   Their website does not say what they require.
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. Do you offer free coaching or help preparing my application?
   CDFI certification requires development services, such as training or advice, alongside lending.
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%, personal loans to members 9.10%, business loans to members 7.55%.

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.

Cooperativa de Ahorro y Credito Bo. Quebrada de Camuy, P.R. reported 34 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $4.7M (median loan about $115,000). 11 were home-purchase loans.

Where the loans were made

Counties with the most 2025 originations, out of 10 counties with at least one; 100% of its 2025 loans were for properties in Puerto Rico:

• Lares municipio, PR (9)
• Camuy municipio, PR (6)
• Arecibo municipio, PR (5)
• Hatillo municipio, PR (5)
• San Sebastian municipio, PR (3)

Filed under LEI 25490099XNQQU8T3WI97 as “Cooperativa de Ahorro y Credito del Bo. Quebrada de Camuy”; 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.

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Home loans: FFIEC/CFPB HMDA data. Prime rate: FRED DPRIME.

Other certified CDFIs in Camuy and Puerto Rico

• Cooperativa de Ahorro y Credito de CamuyCredit union · Camuy, PROfficial list only
• 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

All 83 CDFIs in Puerto Rico