Caja Rural San Isidro de Vilafames S. Coop. de Crédito V.

Caja Rural San Isidro de Vilafames S. Coop. de Crédito V. is a Spanish credit cooperative based in Vilafamés (Castellón) that operates as a member-owned financial institution focused on retail and small-business banking in its local area. Its core activities typically include current and savings accounts, term deposits, payment services (including domestic and SEPA transfers and direct debits), cards, and financing such as consumer, agricultural and business loans, and mortgages, all subject to credit approval. Deposits are protected by the Spanish Deposit Guarantee Fund (Fondo de Garantía de Depósitos en Entidades de Crédito) up to 100,000 euros per depositor and per entity. Governance follows the cooperative model, with a general assembly of members and a governing council; membership normally requires subscribing cooperative capital contributions, while customers may use services without being members. The institution is supervised by the Banco de España and must comply with Spanish and EU banking, consumer protection, and AML/KYC rules, including identity verification (DNI/NIE and related documentation). Fees, interest rates, and conditions are established by the cooperative and must be disclosed in pre-contractual information and fee brochures registered with the Banco de España; customers can review posted tariffs and contractual terms before contracting. Digital channels, mobile apps, and remote onboarding, if offered, vary by cooperative and should be confirmed directly with the institution; branch presence is concentrated in its home municipality and nearby areas, which affects service reach and access to cash. Complaints are filed first with the institution’s Servicio de Atención al Cliente; if unresolved within the legal timeframe, they may be escalated to the Banco de España Market Conduct and Claims Department.