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VAPR Federal Credit Union

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VAPR Federal Credit Union Rates & Review May 2026

Q: Is a member application needed to join VAPR Federal Credit Union?

Yes, to access services at VAPR Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, VAPR Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 15, 2026

You can compare VAPR Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.25%, 6-month share certificate rates at 4.00% and 3-month share certificate rates at 3.50%. Savings rates are at 0.50% and money market rates are at 0.04%. Mortgage rates on 30-year fixed loans are around 5.96%. All these rates can be compared to VAPR Federal Credit Union rates. MonitorBankRates evaluates the financial stability of VAPR Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.91%. Rates were last updated on 05/15/2026.

VAPR Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at VAPR Federal Credit Union? Share your experience about VAPR Federal Credit Union by leaving a review below, or read customer reviews before you decide to use VAPR Federal Credit Union.

Exceptional Health Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.91%

Excellent Lower than avg

VAPR Federal Credit Union
VAPR Plaza Branch and Administration Office

2400 Carretera 177
Guaynabo, PR 00969

https://www.vaprfcu.com

Current Rate Availability

We do not have VAPR Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for VAPR Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather VAPR Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with VAPR Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name VAPR Federal Credit Union

Website https://www.vaprfcu.com

Address 2400 Carretera 177, Guaynabo, PR 00969

Phone 787-773-7600

Fax 787-773-7611

President Eduardo Ortega

CEO Jose Ramos Monell

Full-Time Employees 67

Part-Time Employees 0

Branch Locations 4

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.91%

Return on Assets (ROA)

0.8577%

Return on Equity (ROE)

8.0016%

Non-Performing Loans Ratio (NPL)

0.15%

Total Assets

298,246,753

Total Amount of Shares and Deposits

269,319,822

Total Shares and Deposits < 1 Year

256,026,116

Total Shares and Deposits 1 3 Years

11,885,355

Total Shares and Deposits > 3 Years

1,408,352

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

19,641,321

Total Uninsured Shares and Deposits > $250K (F+J)

19,641,321

Total Insured Shares and Deposits > $250K (item 17 less item K)

249,678,501

Total Interest Expense (Sum of items 6 8)

2,452,376

Share Certificates

2,205

Number of Accounts for Share Drafts

1,895

IRA KEOGH Accounts

1,229

Number of Accounts for Regular Shares

22,885

All other shares

15,514

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

2,558,078

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

19,635,022

Total Liabilities

270,460,552

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

VAPR Federal Credit Union earned the Exceptional Health badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-a-2026.svg"
       alt="MonitorBankRates Exceptional Health Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About VAPR Federal Credit Union

How many branches does VAPR Federal Credit Union operate?

VAPR Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join VAPR Federal Credit Union?

Yes, to access services at VAPR Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, VAPR Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, VAPR Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does VAPR Federal Credit Union offer online and mobile banking?

Most modern institutions like VAPR Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.vaprfcu.com.