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Caribe Federal Credit Union

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Caribe Federal Credit Union Rates & Review May 2026

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

Yes, to access services at Caribe 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, Caribe 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 12, 2026

Caribe Federal Credit Union's Personal Loan Rates are at 4.99%. MonitorBankRates evaluates the financial stability of Caribe Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.06%. Rates were last updated on 05/12/2026.

Caribe 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 Caribe Federal Credit Union? Share your experience about Caribe Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Caribe Federal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.06%

Excellent Lower than avg

Caribe Federal Credit Union
Guaynabo Las Cumbres Admin

10A Carr 838 Esq 199
Guaynabo, PR 00969

https://www.caribefederal.com

Caribe Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Mastercard®	-	8.99%
No additional details. Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%

Caribe Federal Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal	-	4.99%
No additional details. Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.06%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Caribe 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 Caribe 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 Caribe Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Caribe Federal Credit Union

Website https://www.caribefederal.com

Address 10A Carr 838 Esq 199, Guaynabo, PR 00969

Phone 787-474-5151

Fax 787-705-9030

President Benito Rodriguez

CEO Jorge Menendez

Full-Time Employees 163

Part-Time Employees 2

Branch Locations 7

ATM Locations 6

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.06%

Return on Assets (ROA)

1.0019%

Return on Equity (ROE)

9.2576%

Non-Performing Loans Ratio (NPL)

0.53%

Total Assets

750,559,993

Total Amount of Shares and Deposits

665,564,218

Total Shares and Deposits < 1 Year

631,603,860

Total Shares and Deposits 1 3 Years

29,000,655

Total Shares and Deposits > 3 Years

4,959,703

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

63,582,427

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

63,582,427

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

601,981,791

Total Interest Expense (Sum of items 6 8)

8,006,919

Share Certificates

5,554

Number of Accounts for Share Drafts

5,530

Number of Accounts for Regular Shares

73,119

All other shares

548

Non Member Deposits

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

7,520,014

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

13,547,671

Total Liabilities

674,155,521

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Caribe Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Caribe Federal Credit Union

Frequently Asked Questions About Caribe Federal Credit Union

How many branches does Caribe Federal Credit Union operate?

Caribe 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 Caribe Federal Credit Union?

Yes, to access services at Caribe 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, Caribe 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, Caribe Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Caribe Federal Credit Union offer online and mobile banking?

Most modern institutions like Caribe 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.caribefederal.com.