At a glance
From its website, read 2 Nov 2026Cooperativa de Ahorro y Credito Centro Gubernamental Minillas (Gubecoop) is a credit union based in San Juan, Puerto Rico. Its website describes auto loans, energy-efficiency loans, home mortgages and 1 other loan type. 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
| Main | (787) 727-7915 source |
|---|---|
| info@gubecoop.com source | |
| Apply online | Page with the application link |
| Website | www.gubecoop.com |
| Office (official list) | PO Box 41235, San Juan, PR 00940 |
What their website says about applying
Ahora puedes someter tu solicitud de Préstamo en línea para ser tramitada por nuestros especialistas para su evaluación y aprobación
sourceNo esperes más y llámanos o visítanos para orientarte sobre cómo lo puedes adquirir
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.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 22 Nov 2021 |
| RSSD ID | 4254463 |
| Address | PO Box 41235, San Juan, PR 00940 |
| Website | www.gubecoop.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 2 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: medium. Service area is not stated on the pages, and the personal loan maximum is the only loan amount given. 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 | — | ¿Buscando un Auto nuevo? No esperes más y llámanos o visítanos para orientarte sobre cómo lo puedes adquirir al más bajo interés. | source |
| Energy / solar / efficiency loans | — | Préstamos de Equipo de Energía Renovable, Financiamiento de Autos y Préstamos Hipotecarios | source |
| Home mortgages | — | En GUBECOOP podemos ayudarte a conseguir la casa de tus sueños. | source |
| Personal / consumer loans | up to $30,000 | En GUBECOOP queremos ayudarte a lograr tus sueños con nuestros préstamos personales de hasta $30,000. | source |
Loan sizes
En GUBECOOP queremos ayudarte a lograr tus sueños con nuestros préstamos personales de hasta $30,000.
source
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- Spanish
Para el chat busca el icono azul en la parte inferior derecha de la pantalla.
source
Online application
Yes — the site links to an application. Ahora puedes someter tu solicitud de Préstamo en línea para ser tramitada por nuestros especialistas
source
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 energy-efficiency loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - 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. - How long can I take to repay?
No repayment terms are stated on their website. - 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$3.9 million in 4 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (CDFI Equitable Recovery Program; CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
| 2022 | CDFI Equitable Recovery Program | $3,305,118 |
| 2022 | CDFI Program, Technical Assistance | $125,000 |
| 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.
What the regulator's figures show
COSSEC, 30 Jun 2026| Total assets | $13.7 million (up 3.3% from $13.3 million a year earlier) |
|---|---|
| Members (socios) | 1,209 (up 59 from a year earlier) |
| Full-time employees | 4 |
| Size | 70th largest of Puerto Rico's 91 cooperativas de ahorro y crédito by total assets |
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.
Other certified CDFIs in San Juan and Puerto Rico
- Caribe Federal Credit UnionCredit union · San Juan, PRAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Energy / solar / efficiency loans…Verified
- 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 De La Asociacion De Maestros De Puerto RicoCredit union · San Juan, PROfficial list only
Work at Cooperativa de Ahorro y Credito Centro Gubernamental Minillas (Gubecoop)? Link to this page
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