At a glance
From its website, read 2 Nov 2026COOPERATIVA DE AHORRO Y CREDITO DE LA FEDERACION DE MAESTROS DE PUERTO RICO (FEDECOOP) is a credit union based in Rio Piedras, Puerto Rico. Its website describes auto loans, small-dollar emergency loans and personal loans. Where it lends: Teachers and public employees of Puerto Rico. 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) 620-2667 source |
|---|---|
| Toll-free | (877) 880-2667 source |
| info@fedecoop.com source | |
| Apply online | Page with the application link |
| Website | www.fedecoop.com |
| Office (official list) | Ave. José de Diego, Rio Piedras, PR 00927 |
What their website says about applying
Es fácil, primero selecciona si deseas un Auto Nuevo o Usado, marca tu puntuaje de crédito y te indicará tu interés anual.
sourceDebes de hacernos llegar una cotización del auto.
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) | 19 Apr 2022 |
| RSSD ID | 4985495 |
| Address | Ave. José de Diego, Rio Piedras, PR 00927 Directions (Google Maps) |
| Website | www.fedecoop.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: medium. The pages state no loan amounts and the auto loan product page has no rate or term details. 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 | — | Ahora puedes pre-cualificarte para tu compra de auto nuevo o usado. | source |
| Small-dollar / emergency loans | — | Personales, de Autos, Colaterizados, de Emergencia y Línea de Crédito. | source |
| Personal / consumer loans | — | Personales, de Autos, Colaterizados, de Emergencia y Línea de Crédito. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Teachers and public employees of Puerto Rico
Somos los líderes en el mercado con 50 años de experiencia sirviendo a los maestros y empleados públicos de Puerto Rico.
source
Borrower focus
- Not stated on the pages we read.
Languages
- Spanish
Ahora puedes pre-cualificarte para tu compra de auto nuevo o usado.
source
Online application
Yes — the site links to an application. Solicitud de Préstamo Digital
source
Pages read (7)
- https://fedecoop.com/
- https://fedecoop.com/pre-cualificar-prestamo-de-auto/
- https://fedecoop.com/project/prestamo-de-auto/
- https://fedecoop.com/project/prestamo-de-auto/?page_number_0=2
- https://fedecoop.com/project/prestamo-de-auto/?page_number_1=2
- https://fedecoop.com/project/prestamo-de-auto/?page_number_2=2
- https://fedecoop.com/project/prestamo-de-auto/?page_number_0=1
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.
- 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 small-dollar emergency 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$5.1 million in 2 awards from the U.S. Treasury's CDFI Fund, 2022 (CDFI Equitable Recovery Program; CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2022 | 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 | $52.3 million (down 1.4% from $53.1 million a year earlier) |
|---|---|
| Members (socios) | 6,793 (down 232 from a year earlier) |
| Full-time employees | 12 |
| Size | 60th 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%, 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 Rio Piedras 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 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
- COOPERATIVA DE AHORRO Y CREDITO VILLA-COOP AGUSTIN BURGOS RIVERACredit union · Villaba, PRAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loans…Verified
Work at COOPERATIVA DE AHORRO Y CREDITO DE LA FEDERACION DE MAESTROS DE PUERTO RICO (FEDECOOP)? Link to this page
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