Caja Rural San José de Alcora S. Coop. de Crédito V. products, services and reviews

About Caja Rural San José de Alcora S. Coop. de Crédito V.

Caja Rural San José de Alcora S. Coop. de Crédito V. is a Spanish cooperative credit institution based in l’Alcora (Castellón, Comunitat Valenciana) that operates primarily as a local retail and SME lender. As a cooperative, it can admit customer-members who subscribe cooperative capital; these cooperative shares are not deposits, may be subject to redemption conditions, and can entail risk of loss, while membership provides governance rights under the one-member-one-vote principle. The entity offers typical retail banking services such as current and savings accounts, payment cards, SEPA transfers, online and mobile banking, time deposits, consumer loans, mortgages, and financing for self-employed and businesses; it often distributes insurance and other third-party financial products under the bancassurance model. It is supervised by Banco de España and is subject to applicable EU and Spanish regulations on solvency, conduct, and payments (including PSD2), and any investment or insurance intermediation activities fall under the respective supervisory frameworks. Eligible deposits are covered by Spain’s deposit guarantee scheme up to €100,000 per depositor, per institution, within statutory limits and conditions. The institution’s footprint and product catalogue reflect its local orientation, with services geared to households, agriculture, and small enterprises in its area; in exchange for proximity and knowledge of the local market, customers may encounter a more limited geographic reach, fewer specialized products than larger national banks, and fees or account conditions that vary by package and usage. Digital channels cover standard functions, while advanced features and integrations typically depend on shared platforms commonly used by cooperative banks. Prospective clients should review membership requirements, pricing, and documentation needs, particularly for non-residents, before opening an account or subscribing cooperative capital.