Regionalna Spółdzielcza Kasa Oszczędnościowo - Kredytowa im. Św. Brata Alberta

Regionalna Spółdzielcza Kasa Oszczędnościowo-Kredytowa im. Św. Brata Alberta is a Polish cooperative savings and credit union (SKOK) operating on a membership basis, which means access to products and services requires joining the cooperative, accepting its statute, paying an entrance fee, and purchasing member shares. It focuses on standard retail offerings typical for the SKOK sector, including savings accounts, term deposits, and consumer lending (such as cash and consolidation loans), with ancillary services like domestic payments (ELIXIR transfers, standing orders, direct debits) and, where offered, payment cards and insurance distributed via partners. Interest rates and fees are defined in the official schedule and can differ from commercial banks; consumer credit is provided under Polish law governing cost disclosures, APR reporting, withdrawal rights, and early repayment. Governance follows the cooperative model with a management board and supervisory board, and members hold voting rights at the general meeting. The institution is supervised by the Polish Financial Supervision Authority (KNF), and member deposits are protected by the statutory guarantee of the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor, per institution, subject to legal limits and exclusions. Services are delivered through a regional branch presence with remote channels depending on current technical capabilities; the scope of online and mobile banking, card functionality, and payment options should be verified before joining. Complaints can be lodged via the internal process and, if unresolved, with the Financial Ombudsman; personal data processing follows GDPR. Prospective members should review the statute, membership obligations, current fee and interest schedules, and the availability of branches and remote channels before deciding to use this credit union.