Caja Rural San Jaime de Alquerías Niño Perdido S. Coop. de Crédito V.

Caja Rural San Jaime de Alquerías Niño Perdido S. Coop. de Crédito V. is a Spanish cooperative credit institution based in the municipality of Alquerías del Niño Perdido (Castellón, Valencian Community). As a credit cooperative, it focuses on retail, small business, and agricultural clients, offering core services such as current and savings accounts, term deposits, domestic and SEPA payments, cards, point-of-sale solutions for merchants, and lending that typically includes consumer loans, working-capital lines, equipment finance, and residential mortgages subject to Spain’s Mortgage Credit Law 5/2019. Governance follows the cooperative model, with member-clients able to subscribe cooperative shares and exercise voting rights in the general assembly; cooperative capital is not a deposit, may be illiquid, and distributions are not guaranteed. The entity operates under the supervision of Banco de España within the EU Single Supervisory framework and is subject to prudential rules on solvency, conduct, and transparency; cash deposits are covered by the Spanish Deposit Guarantee Fund up to 100,000 euros per depositor and entity. Standard consumer protections apply, including precontractual information (e.g., FEIN and FIAE for mortgages), caps on early-repayment costs, PSD2 strong customer authentication, and published fee/interest schedules and key information documents. Service delivery is centered on the local branch network, with remote and digital channels in line with sector practices for payments and account management. The business profile entails typical cooperative banking risks such as geographic and sector concentration, interest rate sensitivity, and reliance on retained earnings for capital growth. Prospective customers should review the institution’s tariffs, account and card terms, deposit and loan rates (APR/EAR), and annual financial and prudential disclosures to assess pricing, accessibility, and risk relative to alternatives in the region.