P.O.BOX 33017
San Juan, PR 00933
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Vapr is an NCUA insured institution located in San Juan, PR. It was founded in 1950 and has approximately $210.27 millions in assets.

Who can join?

The Credit Union has been authorized by the regulating agency NCUA to expand its members field in order to offer an opportunity to people from other groups to become a part of VAPR Federal Credit Union.
Here are the existing groups:
• Members of American Legion
• Members of Paralyzed Veterans of America (PVA)
• Alpha Chemical Dist.
• American Parking System
• Brink’s Puerto Rico Inc.
• Cardiovascular Center for Puerto Rico and the Caribbean
• Ciber Tech, Inc.
• Cataño Lions Club
• Spouses, the immediate family, and employees of the Credit Union
• Court Security Officers
• DB and W Services Corp.
• Duran Truck Shop
• El San Juan Corporation
• Widows of Credit Union members
• EDUPRO, Inc.
• F. Berrios, S.E.
• Federico Degetau Federal Building Customer Agencies
• Fuster + Partners Architects, PSC.
• Galderma Laboratories
• Helvetia Del Caribe
• Hilton International Hotels
• Infocard Technology System
• Island Wide Group
• MSL Puerto Rico, Inc.
• National Association of Retired Federal Employees
• La Piccola Fontana Restaurant and El Mezzanie Restaurant
• San Juan Bay Marina
• U.S. Coast Guard Auxiliary Division 1
• U.S. Coast Guard District in the Caribbean
• U.S. Veteran Administration
• Voluntary Service Veterans Admin. Medical Center
• Olas Health Bar
• Morales Services, Inc.
• Recinto de Ciencias Médicas
• San Juan Marriot
• Sheraton Old San Juan
• Employees of Women Veteran of America- Puerto Rico Chapter #25

NCUA Insured Yes
Charter Number # # 6918
Date Established 1950
Assets $210.27 million
Loans $111.84 million
Deposits $187.75 million
Capital $21.15 million

Field of Membership Restrictions

To be a member of the Credit Union is a privilege granted only to employees of our group of associates and to relatives of our current members.

Deposit Rates - October 25, 2020

Your Current Location: Washington, WA 98101

We do not yet have rates for Vapr

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Note to Vapr
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Advertiser Disclosure

Loan Rates - October 25, 2020

Your Current Location: Washington, WA 98101

There are currently no loan rates available for VAPR

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.830% 2.750% 0.63 $2,622 $1,021 Learn More
NMLS ID: 2890
License#: 520-CL-25944
2.575% 2.500% 1.00 $2,470 $988 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to VAPR
To upload and update your bank's rates please register. It is free to register and add rates.


Below are Vapr branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Vapr Locations

Financial Details

Vapr Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Vapr. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Vapr U.S. Average
8.73% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Vapr had $1,776,970 in non-current loans and $230,364 in owned assets. To cover these potential losses it had $21,153,954 in net worth and $1,845,636 in loans loss reserves. That gives it a Texas Ratio of 8.73%.

Net Worth
Vapr U.S. Average
10.06% 13.61%

Vapr FCU has a net worth of 10.06% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Vapr

Branches and Savings

What is Vapr?

A federal credit union, registered with the NCUA under certificate #6918.
Learn more about credit unions here.

Is Vapr FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Vapr?

Please see Field of Membership information above for information on who is eligible to join.

What are Vapr's share account and share certificate rates?

Vapr's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Vapr?

Vapr has total capital of $21.15 million. Full information on Vapr's financial position is located above.

Who owns Vapr?

Credit Unions are owned by their members.

Where are Vapr branches located?

See branch locations nearby.

Are Vapr ATMs Open 24/7?

Do Vapr ATMs accept cash deposits?

Can Vapr customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Vapr have a mobile app?

Does Vapr have mobile deposit?

Does Vapr have quick pay?

How can Vapr transfer money to other banks or credit unions?

Does Vapr report to credit bureaus?

Does Vapr use Chexsystems?

Does Vapr use Equifax?

What is Vapr's toll free phone number?

What is Vapr's ACH Routing Number?

What is Vapr's SWIFT code?

Where can I find Vapr's wire transfer form?

What is the Vapr address for deposits?

What Products Does Vapr Offer

Does Vapr offer mortgages?

Compare mortgage rates here.

Does Vapr offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Vapr offer auto and RV loans?

Compare auto loan rates here.

Does Vapr offer student loans or personal loans?

Compare personal loan rates here.

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