Cooperativa De Ahorro Y Credito Cidrena — Credit union, Cidra, PR

At a glance

From its website, read 2 Nov 2026

Cooperativa De Ahorro Y Credito Cidrena is a credit union based in Cidra, Puerto Rico. Its website describes auto loans, equipment loans, home mortgages and 2 other loan types. Stated loan amounts run up to $300,000. 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) 739-7700 source
Email	info@cidrenacoop.com source
Apply online	Page with the application link
Website	www.cidrenacoop.com
Office (official list)	P O Box 1490, Cidra, PR 00739

What their website says about applying

Recuerda presentar los siguientes documentos para solicitar tu Préstamo. source
Licencia de Conducir o Pasaporte (debe estar vigente). source
Tarjeta de Seguro Social (original) source
2 Talonarios de Cobro reciente 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.

Who qualifies, in their words

Membership required La Cooperativa de Ahorro y Crédito Cidreña ofrece a sus socios una amplia variedad de préstamos 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)	16 Oct 2026
RSSD ID	4254511
Address	P O Box 1490, Cidra, PR 00739
Website	www.cidrenacoop.com

Loans and eligibility

Verified from lender site on 2 Nov 2026

Read 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: high. No service area or borrower focus is stated on the pages fetched; loan amounts shown are upper limits only. 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	—	La Cooperativa te permite adquirir el auto de tus sueños a través de nuestro financiamiento para Autos Nuevos y Usados.	source
Equipment loans	—	Se financiará equipo cuyo valor exceda los $200.	source
Home mortgages	up to $300,000	Te prestamos hasta $300,000.00 al interés más conveniente.	source
Personal / consumer loans	up to $40,000	Préstamos Personales hasta $40,000 para atender todas tus necesidades, sueños o metas.	source
Small-business loans	—	Crédito concedido para propósitos de comercio, agrícolas, industriales o profesionales.	source

Loan sizes

Préstamos Personales hasta $40,000 para atender todas tus necesidades, sueños o metas. source
Te prestamos hasta $300,000.00 al interés más conveniente. source

Range used for the size filter: not stated to $300,000

Service area

Not stated on the pages we read.

Borrower focus

Not stated on the pages we read.

Languages

Spanish La Cooperativa de Ahorro y Crédito Cidreña ofrece a sus socios una amplia variedad de préstamos source

Online application

Yes — the site links to an application. Solicita tu préstamo aquí, ahora. source

Pages read (2)

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.
Is there a minimum loan amount?
Their website gives a maximum ($300,000) but no minimum.
What is the APR, including fees, on your auto loans and home mortgages?
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 equipment loans and small-business 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 million in 4 awards from the U.S. Treasury's CDFI Fund, 2019–2022 (CDFI Equitable Recovery Program; CDFI Program, Technical Assistance).

Round year	Program	Amount
2022	CDFI Equitable Recovery Program	$2,602,780
2021	CDFI Program, Technical Assistance	$125,000
2020	CDFI Program, Technical Assistance	$125,000
2019	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	$129.8 million (up 4.6% from $124.2 million a year earlier)
Members (socios)	14,655 (up 136 from a year earlier)
Full-time employees	35
Size	34th 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%, business loans to members 7.55%, first mortgages 5.92%.

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.

How it compares

Computed from public data

Measure	This lender	Compared with
Largest loan its website states	$300,000	Other credit unions whose website states a maximum: median $60,000. Higher than the stated maximum of 83% of these 64.

How these comparisons were worked out

Measure	Peer group (this lender left out)	Peers	Where this lender sits
Largest stated loan	other credit unions stating a maximum, nationwide	64	higher than 83%

“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.

Other certified CDFIs in Cidra and Puerto Rico

All 83 CDFIs in Puerto Rico

Work at Cooperativa De Ahorro Y Credito Cidrena? Link to this page

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