Caparra PR Credit Union | Affordable Auto Loans & ATM Services

Introduction

Welcome to Puerto Rico Federal Credit Union, your trusted partner in financial growth and community support. Located at 55 Calle Resolucion, Caparra, PR 00920, we have been serving our members since 1960. With a strong commitment to providing personalized banking solutions, we currently serve over 23,751 members and manage assets totaling an impressive $197,316,026. At Puerto Rico Federal Credit Union, we pride ourselves on being more than just a financial institution; we're a vital part of the community. Our dedicated team of 46 employees, led by CEO Jomar Martinez Gomez and Board President Gregorio Ramos, is here to assist you with everything from checking accounts to auto loans. We understand that every member has unique needs, which is why we offer a variety of services tailored just for you whether you're looking for personal loans or business banking solutions. While members can visit us at our branch location, official correspondence should be sent to 55 Resolucion Street, Esq., Caparra, PR 920. We also invite you to explore our website at prfedcu.com for more information about our offerings. With total deposits reaching $11,971,991 and robust loan portfolios of 10,269, we are well-equipped to help you achieve your financial goals. Our net worth stands strong at $24,307,320, ensuring that your deposits are secure with us. We encourage you to stop by or give us a call at 787-749-0500 during our operating hours: Monday through Friday from 7:00 AM to 3:00 PM and Saturday from 8:00 AM to 12:00 PM. Let us help you take the next step in your financial journey!

Branch History & Mission

A Legacy of Community Support

Located at 55 Calle Resolucion, Caparra, PR 00920, our branch is easily accessible to all members of the community. We understand that a credit union is more than just a financial institution; it is a trusted partner in achieving dreams and overcoming challenges. Our mission is clear: to provide personal banking services with integrity and compassion while empowering members to make informed financial decisions. As we reflect on our journey from a small credit union to one that plays an essential role in the lives of many, we celebrate the milestones that have marked our evolution. From introducing online banking services to making strides in ADA compliance and mobile applications, we've continuously sought ways to enhance the member experience.

Commitment to Excellence

At Puerto Rico Federal Credit Union, we offer a wide range of services designed with you in mind checking and savings accounts, auto loans, mortgage refinancing, personal loans, credit cards with rewards, and business banking solutions. We also ensure convenience with ATM access and drive-thru banking for quick transactions. Our operating hours are Monday through Friday from 7:00 AM to 3:00 PM and Saturday from 8:00 AM to 12:00 PM. We encourage you to visit us during these times or reach out via phone at 787-749-0500 for any inquiries.

Community Engagement

We believe that giving back is essential to building strong relationships within our community. Our outreach efforts focus on supporting local initiatives that uplift those around us. By partnering with various organizations, we strive to create a positive impact beyond just financial transactions. As we look towards the future, we invite you to join us at Puerto Rico Federal Credit Union. Experience firsthand how we can help you navigate your financial journey while remaining dedicated to your well-being. Together, let's build a brighter tomorrow for ourselves and future generations. For more information about our services or how to become a member, please visit us online at prfedcu.com. We can't wait to welcome you into our family!

Branch Location & Accessibility

Welcome to Puerto Rico! Conveniently located at 55 Calle Resolucion Caparra Pr 00920 in the heart of Caparra, PR, our branch is designed to serve you with ease. Whether you're coming from nearby landmarks or just passing through, you'll find us easily accessible. Our branch is not only a place for banking; it's a community hub where you can take care of all your financial needs. We offer ample parking and ADA-compliant access to ensure that everyone can visit us comfortably. If you prefer drive-thru banking, we have that option available for quick and easy transactions without leaving your vehicle. We understand that your time is valuable, which is why our operating hours are convenient open Monday through Friday from 7:00 am to 3:00 pm and Saturday from 8:00 am to 12:00 pm. You can count on us for personal banking services including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Need cash? Our ATM is always ready for withdrawals and balance checks. While members can visit us at 55 Calle Resolucion Caparra Pr 00920, official correspondence should be sent to our mailing address at 55 Resolucion Street,Esq., Caparra, PR 920. If you have any questions or need assistance, feel free to call us at (787) 749-0500. We invite you to stop by and experience the friendly service at Pr Federal Credit Union today!

Member Eligibility

At Puerto Rico, we believe that everyone deserves the opportunity to be part of a supportive community that prioritizes your financial well-being. Becoming a member is not just about opening an account; it's about joining a family that truly cares for its members. To be eligible, you typically need to reside, work, or worship in our local area. We welcome individuals from all walks of life, making it easy for you to access the services you need. If you want to learn more about eligibility details, feel free to visit this page for up-to-date information. Opening an account with us is straightforward and inclusive. Whether you're looking to save for your future or finance a new vehicle, our range of services is designed with you in mind. If you're ready to take the next step toward membership, give us a call at (787) 749-0500. Our friendly team is here to guide you through the process and answer any questions you might have. Join us at 55 Calle Resolucion Caparra Pr 00920, and let's start building your financial journey together!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine running your business with confidence, knowing you have reliable payment processing at your fingertips. Our merchant services simplify transactions, ensuring that you can focus on what matters most serving your customers. From credit card processing to online payment solutions, we provide tools that make handling finances easier. Located at 55 Calle Resolucion Caparra Pr 00920 in Caparra, PR, our dedicated team is here to help you every step of the way. Reach out to us at (787) 749-0500 to learn how we can assist you in achieving your business goals today!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans and Vehicle Financing

If you're in the market for a new car or need to refinance your current vehicle, our Auto Loans & Vehicle Financing options are designed with competitive rates and flexible terms. Picture driving off in your dream car without the stress of complicated financing; our team will guide you every step of the way.

Business Banking Support

If you're a business owner, we haven't forgotten about you! Our Business Banking services include merchant services and business loans tailored specifically for small businesses. Let us help you grow your venture with the right financial support.

Convenient Access Points

For those who prefer in-person banking, we offer basic drive-thru banking services for deposits, withdrawals, and simple transactions. Plus, with ATM access available, withdrawing cash has never been easier. At Puerto Rico, we're committed to making banking as convenient as possible for all our members. Our operating hours are from Monday through Friday, 7:00 am - 3:00 pm, and Saturday from 8:00 am - 12:00 pm. You can reach us at (787) 749-0500 if you have any questions or need assistance. Explore all that we have to offer by visiting us online at Pr Federal Credit Union. Join us today and experience financial services made simple!

Credit Cards with Rewards

For those who enjoy earning rewards on their purchases, our Credit Cards with Rewards give you the opportunity to earn points while shopping. It's like getting rewarded for doing what you already do every day!

Home Financing Made Easy

When it comes to purchasing a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing solutions provide peace of mind. We work closely with you to ensure you understand all your options so that you can make informed decisions about one of life's biggest investments.

Personal Banking Solutions

We understand that managing finances can be overwhelming at times. That's why we offer Personal Banking services that include both checking and savings accounts tailored to fit your lifestyle. Imagine having the flexibility to access your funds anytime through our user-friendly Online & Mobile Banking platforms. With features like mobile payments and person-to-person transfers, you can manage your money on the go.

Personal Loans and Debt Consolidation

Life can throw unexpected expenses your way. That's where our Personal Loans & Debt Consolidation services come into play. Whether you're looking to cover medical bills or consolidate debt into one manageable payment, we offer straightforward solutions to help ease financial burdens.

Digital & Online Banking

Key Features

We're proud to offer a range of features designed to make your banking experience smoother. For instance, with our mobile application, available for download on various devices, you can carry out transactions right from your smartphone. Need to send money quickly? Our person-to-person transfer feature allows you to send funds instantly to friends or family members. You can also enjoy the benefits of e-statements, which not only help keep your documents organized but also reduce paper clutter. Plus, our mobile payments feature means you can make purchases directly from your phone no need for cash or cards!

Security and Ease of Use

Security is a top priority at Puerto Rico. While we currently do not support electronic signature authorization, rest assured that our systems are designed with your safety in mind. You can bank with confidence knowing that we take every measure to protect your information. Whether you're checking your balance or making a payment, our online services are designed for ease of use. Managing your finances should be straightforward, and we strive to provide an experience that reflects that philosophy. In conclusion, with accessible online banking options at Puerto Rico, you have the freedom to manage your finances on your terms. Explore all these features today by visiting us at https://prfedcu.com/!

Financial Strength

Growing Member Base

Our commitment is reflected in our growing member base, with a total of 26,587 accounts demonstrating the trust you place in us. Our net shares available for lending stand at $2,044,790, further enhancing our ability to meet your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Puerto Rico is your trusted partner. Visit us at 55 Calle Resolucion Caparra Pr 00920 or call (787) 749-0500 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are secure with us. We have $62,925,989 in share certificates, providing stable and rewarding growth opportunities for your investments. While we focus on our members' needs, we also hold $5,910,000 in non-member deposits, ensuring that our resources benefit you through better loan rates and exclusive perks.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $209,036, which allows us to continue offering competitive loan rates and solid financial products tailored for you. We are dedicated to serving our community with a team of 46 full-time employees and 0 part-time employees, ensuring that our branches are always ready to assist you with knowledgeable support.

Reinvestment in Services

With $21,360,065 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is evident with $345 in used auto loans and $132,087,778 across all loans and leases, supporting various sectors of your financial goals.

Strong Financial Health

With a net worth of $24,307,320, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.32% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $6,603,176 in used vehicle loans and $66,050,129 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, we have options that can fit your budget.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,722,446 in loans helping members manage their finances effectively. These cards come with various benefits designed to help you make purchases more manageable while building your credit score.

Credit Lines

If you need access to funds for unexpected expenses or ongoing projects, our total credit lines amount to $20,100,000. This gives you the flexibility to borrow as needed without having to apply for a new loan each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $548,815, make buying or refinancing simple. We provide competitive rates and flexible terms to ensure that you can secure the home you've always wanted.

Refinancing Options

If you're considering refinancing any existing loans, our team is here to help guide you through the process. We offer various eligibility options tailored to fit your specific situation, ensuring that you can take advantage of lower rates or better terms. Feel free to reach out to us at (787) 749-0500 if you have any questions or would like more information about our loan offerings. You can also visit us at 55 Calle Resolucion Caparra Pr 00920, located in Caparra, PR, during our operating hours from Monday through Friday from 7:00 am - 3:00 pm and Saturday from 8:00 am - 12:00 pm. Let us help you find the perfect financial solution today!

Loan Aggregator

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PUERTO RICO FEDERAL CREDIT UNION - Caparra, PR

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