Cooperativa De Ahorro Y Credito De Los Empleados De La Corporacion Del Fondo Del Seguro De Estado

What their website says about applying

• Solicita ese préstamo que tanto necesitas en línea, 24/7 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.

• Membership required La membresía en nuestra Cooperativa está exclusivamente disponible para empleados activos y jubilados source
• Low or damaged credit considered Una alternativa diseñada para apoyar a nuestros socios con crédito no satisfactorio y/o afectado. source
• No or thin credit history considered PRÉSTAMO SOCIO NUEVO (que no tenga crédito) source

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

Read from 4 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. Membership is restricted to employees of specified agencies, which limits who can borrow. 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 small-dollar emergency loans?
   Their website does not state an APR. The APR includes fees, so it is the number to compare.
4. 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%.

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.

Same loan type, nearby, lower stated rate

Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).

• Personal / consumer loans (this lender states from 7.00%): Cooperativa de Ahorro y Credito Cristobal Rodriguez Hidalgo d/b/a Cooperativa A/C Rodriguez Hidalgo from 5.45% (31 mi, read 2 Nov 2026)

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. Stated rates: each lender's own website, read on the date shown.

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
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• 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

All 83 CDFIs in Puerto Rico