Caja Rural de Alginet, Sociedad Cooperativa Crédito Valenciana

Caja Rural de Alginet, Sociedad Cooperativa de Crédito Valenciana (S.C.C.V.) is a Spanish cooperative credit institution based in Alginet (Valencia) that focuses on retail and SME banking in its local area. It offers current and savings accounts, term deposits, cards, domestic and SEPA payments, and online and mobile banking via the Grupo Caja Rural digital platform (Ruralvía). Lending includes consumer loans, mortgages, and financing for small businesses, the self-employed and agricultural activity, subject to underwriting, guarantees and collateral when applicable; pricing, fees and early-repayment terms vary by product and are set out in precontractual documents. As a member of Grupo Caja Rural and the Asociación Española de Cajas Rurales, it relies on shared infrastructure and services provided by the group, including Banco Cooperativo Español for treasury, payments and market access, and distributes group products such as investment funds and pension plans as well as insurance from Seguros RGA. It is supervised by Banco de España and adheres to Spain’s deposit guarantee scheme for credit institutions (Fondo de Garantía de Depósitos), which covers eligible deposits up to 100,000 euros per depositor and per entity. Governance follows the cooperative model: clients may become members (socios) through a capital contribution, with voting rights in the general assembly and board elections; any remuneration on cooperative shares and potential patronage refunds depend on results and regulatory limits. Branch presence is concentrated in Alginet and nearby municipalities, which can condition service availability and eligibility. Contracts are subject to identification and anti–money laundering checks; non-payment may trigger default interest and enforcement of collateral. Complaints are handled first by the entity’s customer service department and, if unresolved within the legal timeframe, can be escalated to the Banco de España claims service. Investment and pension products carry market risk and are not covered by the deposit guarantee.