Vapr Federal Credit Union

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A short history of Vapr FCU

Since its inception in 1950 the Vapr Federal Credit Union has been serving its members in the SAN JUAN, Puerto Rico area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Angel Lorenzo, the Vapr FCU has grown its membership to over 21,330 with assets of more than $223,520,093. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (787) 773-7600 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in SAN JUAN, PR.

General Information For Vapr FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 6918
Address P.O.BOX 33017 
State Puerto Rico 
Zip-Code 00933
Phone Number (787) 773-7600
Fax Number (787) 773-7611
Email Address:
CEO/President Angel Lorenzo
Members 21,330 
Full-Time Employees 53 
Part-Time Employees
Number of Branch Offices
Total Assets 223,520,093 

Compare Vapr Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Puerto Rico CU PR Federal Credit Union 55 Calle Resolucion 00920 (787) 749-0500 No 3.90
Puerto Rico Employee Groups CU SANTANDER FEDERAL CREDIT UNION 1235 CALLE CAIRO 00922 (787) 782-4050 No 4.11
Caribe CU MAIN 195 Calle Oneill 00918 (787) 474-5151 No 4.29
Golmar CU Corporate Office 51 ST 00963 (787) 788-0303 No 7.89
Universal Coop CU Rio Grande 14 Calle Pimentel 00745 (787) 887-2195 No 19.10

Vapr Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Vapr Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.09 3.16 4.72 4.77 7.40
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 166 162 292 241 450
Rank Among All Puerto Rico Credit Unions 3 4 3 5 1

Vapr Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.13 N/A 0.84 1.43
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 122 N/A 200 101
Rank Among All Puerto Rico Credit Unions 4 3 N/A 4 1
Vapr Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.0902,3115,119,826
All Other Unsecured Loans/Lines of Credit 8.3406,05752,059,777
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.1603,54961,590,036
Used Vehicle Loans 4.7205056,864,685
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.770897,406,338
Total Other Real Estate Loans/Lines of Credit 7.40010275,992
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 2.5804463,696,815
TOTAL LOANS & LEASES 12,967137,013,469

Vapr Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 625,955,0721116,000
    b. 15 Years or less 271,451,26600
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 10275,99200
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 997,682,3301116,000


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Vapr Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes