Q2 2026 call reports
Credit union loan rates in Puerto Rico
Puerto Rico credit unions reported a median new auto loan rate of 5.24% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, Caribe Federal Credit Union reported the lowest, 2.99%.
These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.
| Loan | Puerto Rico median | US median |
|---|---|---|
| New auto | 5.24% | 5.46% |
| Used auto | 6.31% | 6.32% |
| Credit card | 8.99% | 11.50% |
| Personal | 9.63% | 11.75% |
| Mortgage | 6.00% | 5.75% |
| Home equity | 6.00% | 6.75% |
Lowest credit card rate reported in Puerto Rico: Vapr Federal Credit Union, 8.68%. Lowest first mortgage rate: Vapr Federal Credit Union, 5.96%. (Same size rules as the national rankings.)
Every Puerto Rico credit union's reported rates
All 4 Puerto Rico credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.
| Credit union | New auto | Used auto | Credit card | Personal | Mortgage | Home equity |
|---|---|---|---|---|---|---|
| Caribe Federal Credit Union | 2.99% | 4.99% | 8.99% | 10.14% | 6.00% | 5.75% |
| Vapr Federal Credit Union | 5.24% | 6.31% | 8.68% | 9.99% | 5.96% | – |
| Puerto Rico Federal Credit Union | 7.77% | 9.90% | 10.57% | 9.09% | 8.21% | 6.25% |
| Puerto Rico Employee Groups Federal Credit Union | – | – | – | 9.27% | – | – |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All Puerto Rico credit unions · Lowest rates nationally