The Vapr Federal Credit Union All Credit Levels is a cdfi lender from Vapr Federal Credit Union. The ongoing APR is 5.95%. This product reports activity to your personal credit report. VAPR Federal Credit Union is a financial cooperative located in Guaynabo, PR, dedicated to providing accessible financial services to its members. It serves individuals and families in Puerto Rico, focusing on helping them achieve financial stability through education and a variety of financial products. Services include: personal loans, auto loans. US Treasury certified CDFI Credit Union in Guaynabo, PR. Membership required.