Cooperativa de Ahorro y Credito Oriental

What their website says about applying

• ID con foto (vigente) source
• Tarjeta de Seguro Social source
• Recibo de Utilidades de AAA o AEE para validar la dirección source
• Talonarios recientes 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.

• Collateral required Préstamo garantizado con las acciones, ahorros o certificados que tengas en la Cooperativa. source

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

Read 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: high. Service area is stated only for SBA loans in Puerto Rico; no other geography appears on the pages. 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. How do I become a member, and is there a fee or a minimum deposit?
   Credit unions lend only to their members.
2. What are the smallest and the largest loans you make?
   No loan amounts are stated on their website.
3. What is the APR, including fees, on your home repair loans and home mortgages?
   Their website does not state an APR. The APR includes fees, so it is the number to compare.
4. What interest rate and fees should I expect on your SBA-backed loans and small-business loans?
   Their website does not state a rate for this.
5. 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.
6. Do you offer down-payment help, and is a homebuyer education course required?
   CDFI home loans often come with homebuyer education or down-payment help; their website does not say.
7. 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%, other mortgage loans 6.45%, 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.

Cooperativa de Ahorro y Credito Oriental reported 78 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $10.9M (median loan about $110,000). 63 were home-purchase loans.

Where the loans were made

Counties with the most 2025 originations, out of 26 counties with at least one; 100% of its 2025 loans were for properties in Puerto Rico:

• Caguas municipio, PR (30)
• San Juan municipio, PR (8)
• Humacao municipio, PR (7)
• Gurabo municipio, PR (6)

Filed under LEI 549300J7DJ7V4CSZCK98 as “Cooperativa de A\C Oriental”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.

Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.

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 8.25%): Cooperativa de Ahorro y Credito Cristobal Rodriguez Hidalgo d/b/a Cooperativa A/C Rodriguez Hidalgo from 5.45% (35 mi, read 2 Nov 2026); Cooperativa De Ahorro Y Credito De Los Empleados De La Corporacion Del Fondo Del Seguro De Estado from 7.00% (28 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. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Home loans: FFIEC/CFPB HMDA data. Stated rates: each lender's own website, read on the date shown.

The SBA's public loan data lists 7 SBA-backed approvals for Cooperativa de Ahorro y Credito Oriental in fiscal years 2020–2026 (October 2019 to September 2026):

• 7 504 projects as the third-party (first-lien) lender: $1.9M in total (its own third-party loan amount), median $275,000

By fiscal year: FY2020 0 · FY2021 0 · FY2022 2 · FY2023 0 · FY2024 1 · FY2025 2 · FY2026 2.

How this lender was matched in the SBA files: 504 third-party lender name: same organisation by name and state, checked by hand (SBA lists “Cooperativa de Ahorro y Cr<ac,e>dito Oriental”).

Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Cooperativa de Ahorro y Credito Oriental may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

Other certified CDFIs in Humacao 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
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• 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

All 83 CDFIs in Puerto Rico