Our Cooperative is another one of your benefits, whose primary purpose is to encourage the habit of saving and the prudent use of credit.

Our Vision is to expand our service capabilities to become the primary financial center for our members.


We offer loans for all your needs with the most attractive and competitive interest rates in the market. Choose the one that best suits your needs.

With a personal loan, you can make improvements to your home, go on vacation, pay off debts, and much more.

The Board of Directors aims to lead our Cooperative towards a better future. To ensure the maintenance of the economic stability that has characterized us for years, we adjusted the interest rate as of January 1, 2024.

Your Best Benefit


Now you can have access to the Cooperative 24/7 from the comfort of your home, work, or preferred location. Just press Home Banking. If you haven't enrolled yet, select the option 'Haven't signed up yet? Click here' and follow the on-screen instructions to create your user. Also, you can access through the mobile application by downloading the app from Google Play or the App Store. You must be subscribed to Home Banking to enjoy the advantages of the mobile app.

Home Banking Features:

Monitor your account View your account history View your Online Statements Make withdrawals up to $500 per day.

Carmen Barceló


Copyright Cooperativa de Ahorro y Credito Rafael Carrion, Jr.. All rights reserved.




The acquisition of shares increases your capacity as a co-owner partner of the Cooperative. Each share has a value of $10.00. According to the Cooperative's operational surplus, dividends are distributed annually proportionally to the shares.