Caja Rural La Junquera de Chilches, S. Coop. de Crédito V. products, services and reviews

About Caja Rural La Junquera de Chilches, S. Coop. de Crédito V.

Caja Rural La Junquera de Chilches, S. Coop. de Crédito V. is a Spanish cooperative credit institution based in Chilches (Xilxes), Castellón, focused on retail banking for its local market in the Valencian Community. As a cooperative, it is owned by its members and governed through a general assembly and a board, and offers standard products such as current and savings accounts, term deposits, domestic and SEPA transfers, debit and credit cards, mortgages and personal loans, and financing geared to farmers, self-employed workers, and small businesses, along with merchant services and distribution of third-party insurance and investment products. It is authorized and supervised by the Banco de España under the EU banking framework, must follow Spanish transparency and consumer-protection rules, and eligible deposits are covered by the Fondo de Garantía de Depósitos up to €100,000 per depositor. The institution operates with a limited branch footprint; account opening and credit underwriting are typically handled in person, with remote channels available for day-to-day operations when contracted. Pricing, account maintenance fees, card fees, interest rates, and lending criteria are set by the entity and vary by customer profile and collateral, with pre-contractual information required for regulated products. This setup fits individuals and small firms operating in its immediate catchment area that need basic banking and credit, while users seeking a broader physical network, extensive wealth management, or nationwide coverage will find fewer options than at larger banks.