Credit union · NCUA insured
Puerto Rico Federal Credit Union
A $187.2M credit union headquartered in Caparra, PR, with 22,856 members and 5 branches in Puerto Rico.
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Puerto Rico Federal Credit Union
Puerto Rico Federal Credit Union is a non-profit credit union founded in 1960.
On September 14, 1960, the credit union was certified under charter number 13939 as Puerto Rico Telco Employees Federal Credit Union.
It was organized by a group of Puerto Rico Telephone Company employees to provide a financial alternative and stimulate savings and credit for economically provident and productive purposes.
- Headquarters
- 55 Calle Resolucion, Caparra, PR 00920-2727
- NCUA charter
- 13939
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who resides, works, studies, or congregates in the North area (Área Norte) and neighboring towns qualifies for membership.
Employers and groups
- Employees and retirees of affiliated companies, sectors, or entities qualify for membership.
Family and household
- Immediate family members (spouse, children, siblings, parents, grandparents, or grandchildren) of employees or retirees of affiliated companies or entities qualify for membership.
- Spouses of members who passed away while being members of the credit union qualify for membership.
Other ways
- Employees and members of the Museo de Arte de Ponce de Puerto Rico (MAP), or individuals who contribute a donation to MAP, qualify for membership.
Cost to join
- Eligible persons can become members by completing the application and contributing a minimum of $5.00 biweekly or corresponding pay period (equivalent to one share) to the regular share account.
Branches
5 branches in Puerto Rico
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Puerto Rico
5 branches
San Juan area · 2
- PR Federal Credit UnionMain office55 Calle Resolucion, Caparra, PR 00920Directions
- PRFCU Manati Branch148 Bda Felix Cordova Davila, Plaza Karoma, Manatí, PR 00674Directions
Aguadilla area · 2
- PRFCU Aguadilla Branch35 Ramey Shopping Ctr, Aguadilla, PR 00603Directions
- Puerto Rico Federal Credit Union AguadillaPunta Borinquen Shopping Center Base Ramey, Aguadilla, PR 00603Directions
Arecibo area · 1
- PRFCU Quebradillas Branchcarr. 113 km 12.2, Barrio Cacao Sector La Romana, Quebradillas, PR 00678Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.01% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.68% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.38% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $87 | $76 | — |
- CapitalNet worth ratio14.01%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.68%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.38%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$87Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Puerto Rico Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.