You have questions, we have answers.

Frequently Asked Questions

Below are the questions our audience asks us the most. If you do not find the answer you are looking for here, send us an email to or by clicking here and we will gladly answer you.

Each of our branches has its schedule:

VAPR Plaza Branch

Monday to Friday

7:30 a.m. – 3:45 p.m.



8:00 a.m. – 1:00 p.m.

Veterans Hospital Branch

Monday to Friday

7:30 a.m. – 3:30 p.m.

Guayama Branch

Monday to Friday

8:00 a.m. – 4:00 p.m


Auto Coop

8:00 a.m. – 4:15 p.m.



9:00 a.m. – 1:00 p.m.

To join our credit union you must bring the following documents:

  1. Photo identification (License or Passport)
  2. $50.00 for initial deposit

Regular share (savings) accounts carry no monthly fee. In the checking account there will be no monthly charges as long as you maintain a minimum balance of five hundred dollars ($500.00). If you do not have this balance then a charge of four dollars ($4.00) will be applied monthly.

Yes, a minimum balance of twenty-five dollars ($25.00) is required to keep your account active. If your balance falls below $25.00, you will have an outstanding balance to cover.

By activating direct deposit, your money will be available immediately. You don’t have to wait, you don’t have to go to the branch to deposit. It is very convenient!

Yes. Simply contact the Credit Union or the Payroll Department at your job to start receiving your direct deposit. You must have the VAPR route and transit number, 221581764, and your member’s account number.

Definitely not. Your membership with VAPR Federal Credit Union does not expire. Once you become a member of the Credit union, you will remain a member forever.

Yes. Members of your immediate family (Parents, children, siblings and spouses) are eligible to be members. Contact a Credit union representative for more details. In addition, any person with US citizenship or resident of Puerto Rico can be a member of VAPR Federal Credit Union . Certain restrictions apply.

    1. Contacting the CALL CENTER at 787-900-0200.
    2. Calling 787-281-8444, to verify your balance, and other automated services.
    3. Through the MY COOP CARD application, where you can check balances, view your transactions and account statements, block or unblock your card and schedule your card payment, among other services.

Yes. You have many ways to access your accounts. Using the Tele-Coop system, Internet Banking or our VAPR Mobile Banking application. These services are FREE and allow you to access your account information 24 hours a day, 7 days a week.

We belong to a wide network, with ATM’s all over the island. You can use any machine that has the logos on the back of your debit card. In the Coop24 network, transactions are free.

There is no waiting period. You can become a member, apply for a loan and have your request answered within 24 hours. Fill out our loan application to start the process.

Yes. You can become a member by clicking on this link and you can also apply for a loan by clicking on this link.

To pay your loan by phone you have three options:

  1. Communicating with the Call Center at 787-900-0200 where an authorized representative will proceed to register your payment.
  2. Paying with branded debit card or credit card.
  3. Through the ATH Mobile application.

We do not have branches outside of Puerto Rico, our four (4) branches are located in the metropolitan area and southern area of the island. Still, you can use the “Shared Branch” network around different participating credit unions all over the world.

We offer various payment methods for your convenience, such as electronic payment, automatic transfers, ATH Móvil, payroll discounts or by visiting one of our branches.

Yes, all of our partners’ funds are insured by the NCUA up to $250,000.

VAPR FCU offers Share and Savings Accounts, Certificates of Deposits, IRA Accounts and Checking Accounts. Go the home page and browse our main menu. 

VAPR FCU offers personal loans, new and used car loans, processes transfers from another institution; and we also carry the VAPR Mastercard, Reserve Checks and Credit Lines.

You may request the renewal of your loan six months after its origination.

At VAPR’s branches you can buy your registration tag (“marbete”), manager’s checks, money orders, make your utilities’ payments, ATH Móvil service and website, Telecoop and various ATMs in different branches. We have the Coop Circuit “Shared Branch” and Coop 24 service.

VAPR Federal Credit Union is a non-profit federal credit union founded in 1950 and organized to provide our members with low-cost financial services. It is regulated by the federal agency “National Credit Union Administration”, commonly known as the NCUA.