VAPR FEDERAL CREDIT UNION

Welcome to Vapr, your trusted financial partner located at 2400 Carretera 177, Guaynabo, PR 00969. Since our establishment in 1950, we have proudly served over 19,843 members, helping them achieve their financial goals with personalized service and community-focused solutions. With assets totaling $271,813,675 and deposits of $34,835,615, we are committed to providing stability and growth for our members. At Vapr, we understand that every member's journey is unique. Whether you're looking for auto loans, personal banking services, or business financing options, our experienced team is here to guide you every step of the way. Under the leadership of CEO Jose Ramos Monell and Board President Eduardo Ortega, our dedicated staff of 63 employees works tirelessly to ensure your banking experience exceeds expectations. While members can visit us at our branch address, official correspondence should be sent to our mailing address: P.O.Box 33017, San Juan, PR 00933-3017. We invite you to explore all the services we offer from checking and savings accounts to loans tailored just for you on our website at Vapr. Join us today and discover how Vapr can help you navigate your financial future with confidence. If you have any questions or need assistance, don't hesitate to call us at 787-773-7600. Your financial journey starts here!

Welcome to the Vapr community, where we believe in making banking accessible and supportive for everyone. To become a member of Vapr, you simply need to meet a few friendly eligibility criteria, which primarily revolve around your connection to our local community. If you're a resident of Puerto Rico or have family members who are current members, you're likely eligible! We encourage you to check out the detailed eligibility requirements on our website at https://www.vaprfcu.com for the most up-to-date information. Joining Vapr means more than just opening an account; it's about becoming part of a caring network that prioritizes your financial well-being. We offer a range of services designed to help you thrive, from personal banking options like checking and savings accounts to loans and credit cards tailored for your needs. Ready to get started? Opening an account is easy! Just give us a call at (787) 773-7600 or visit us at our branch located at 2400 Carretera 177 Guaynabo Pr 00969. Our team is here to guide you through the process and welcome you into our vibrant community!

At Vapr, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our strong financial position, demonstrating our commitment to serving you with confidence. With a net worth of $29,099,882, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,068 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $73,912,660 in share certificates, offering stable and rewarding financial growth opportunities. Additionally, unlike traditional banks, we prioritize our members. With non-member deposits at $135,399, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. We also have $26,741,029 in undivided earnings, which means we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $668 in used auto loans and $145,574,269 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our $1,723,655 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 63 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $29,096,521. Total Share and Deposit Accounts: 42,410, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Vapr is your trusted partner. Visit us at 2400 Carretera 177 Guaynabo Pr 00969 or call (787) 773-7600 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*