Caja Rural de Casas Ibáñez, S. Coop. de Crédito de Castilla-La Mancha

Caja Rural de Casas Ibáñez, S. Coop. de Crédito de Castilla-La Mancha is a Spanish cooperative credit institution that operates under the legal and supervisory framework applicable to credit cooperatives, providing retail and small-business services such as current and savings accounts, term deposits, cards, SEPA payments, consumer and agricultural finance, and residential mortgages, with access through a regional branch footprint and standard digital channels; as a cooperative, governance is exercised by member-clients under bylaws that typically apply one-member-one-vote, membership involves a paid-in cooperative contribution whose redemption is subject to legal and prudential limits, and surpluses are allocated primarily to reserves and statutory funds rather than distributed to external shareholders; the entity is directly supervised by Banco de España within the EU Single Supervisory Mechanism, applies PSD2 strong customer authentication for online operations, follows Spanish transparency and lending rules (including Orden EHA/2899/2011, Banco de España transparency circulars, and Spain’s mortgage law Ley 5/2019), complies with anti–money laundering obligations (Law 10/2010), and its eligible deposits are protected by Spain’s Fondo de Garantía de Depósitos up to €100,000 per depositor per institution; it must maintain an internal customer service function and a formal complaint channel, with unresolved disputes eligible for review by the Banco de España claims service under Orden ECO/734/2004, and is required to disclose precontractual information on fees and interest; pricing, underwriting, and product access vary by client profile and collateral, variable-rate loans commonly reference Euribor subject to legal limits on certain charges and early repayment, account maintenance, transfer, card, and out-of-network ATM fees may apply, and the branch network is regional rather than nationwide, making remote channels relevant for routine transactions.