Cooperativa de Ahorro y Credito San Jose

What their website says about applying

• Recuerda traer los siguientes documentos a tu Sucursal más cercana para solicitar un Préstamo de Auto en San José Cooperativa: source
• Recuerda traer los siguientes documentos a tu Sucursal más cercana para solicitar un Préstamo de San José Cooperativa: source
• Recuerda traer los siguientes documentos a nuestra Oficina Central en Aibonito, para solicitar un Préstamo Hipotecario de San José Cooperativa: 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 El joven debe ser socio de nuestra cooperativa y tener en su cuenta de acciones $120 dólares. source
• Collateral required La garantía será hipotecaria. 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: medium. No minimum loan amounts, auto or mortgage amounts, or service area are stated 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. 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 are the smallest and the largest loans you make?
   No loan amounts are stated on their website.
4. 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.
5. What interest rate and fees should I expect on your nonprofit facility loans?
   Their website does not state a rate for this.
6. 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.
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%, first mortgages 5.92%, loans to nonprofits 7.18%.

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 San Jose reported 24 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $4.3M (median loan about $145,000). 16 were home-purchase loans.

Where the loans were made

Counties with the most 2025 originations, out of 10 counties with at least one; 100% of its 2025 loans were for properties in Puerto Rico:

• Aibonito municipio, PR (5)
• Cayey municipio, PR (5)
• Cidra municipio, PR (5)
• San Juan municipio, PR (3)

Filed under LEI 549300HVRAK6I8QGFR41 as “COOPERATIVA DE AC SAN JOSE”; 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.

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. Home loans: FFIEC/CFPB HMDA data.

Other certified CDFIs in Aibonito and Puerto Rico

• Cooperativa de Ahorro y Credito AibonitenaCredit union · Aibonito, PRAuto / vehicle loans, Commercial real estate loans, Energy / solar / efficiency loans, Equipment loans…Verified
• 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 DE LA FEDERACION DE MAESTROS DE PUERTO RICO (FEDECOOP)Credit union · Rio Piedras, PRAuto / vehicle loans, Small-dollar / emergency loans, Personal / consumer loansVerified
• COOPERATIVA DE AHORRO Y CREDITO NAGUABENACredit union · Naguabo, PRAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loansVerified

All 83 CDFIs in Puerto Rico