Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 22 Sep 2026 |
| RSSD ID | 4985860 |
| Address | 5 Ave. Universidad Ste 3623, San Juan, PR 00925 Directions (Google Maps) |
| Website | www.universicoop.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
Not yet verifiedWe could not read the website listed for this lender on 3 Nov 2026, so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check www.universicoop.com or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- 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?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
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$6.1 million in 5 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (CDFI Equitable Recovery Program; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
| 2022 | CDFI Equitable Recovery Program | $3,767,835 |
| 2022 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 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 | $35.9 million (down 0.9% from $36.2 million a year earlier) |
|---|---|
| Members (socios) | 3,991 (up 8 from a year earlier) |
| Full-time employees | 16 |
| Size | 63rd 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: personal loans to members 9.10%, new-vehicle loans 6.20%, 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.
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 Centro Gubernamental Minillas (Gubecoop)Credit union · San Juan, PRAuto / vehicle loans, Energy / solar / efficiency loans, Home mortgages, Personal / consumer loansVerified
Work at COOPERATIVA DE AHORRO Y CREDITO DE LA UNIVERSIDAD DE PUERTO RICO (UNIVERSICOOP)? Link to this page
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