Caixa Rural D'Algemesí, S. Coop. V. de Crédit

Caixa Rural d’Algemesí, S. Coop. V. de Crédito is a Valencian credit cooperative headquartered in Algemesí (Valencia) that focuses on retail, small business, and agricultural banking in its local market. It operates under Spain’s cooperative framework, with customer-members subscribing cooperative capital and participating in governance, and allocates part of annual results to mandatory reserves and community initiatives through the cooperative education and promotion fund. The entity offers current and savings accounts, time deposits, debit and credit cards, domestic and SEPA payments, consumer and business loans, mortgages, and agri finance, with access to online and mobile banking and a shared ATM network; fees and interest conditions are laid out in its published tariff as required by Spanish regulation and vary by product and client profile. It is authorized and supervised by Banco de España and adheres to the Spanish Deposit Guarantee Fund for Credit Institutions, which covers up to EUR 100,000 per depositor and per entity for eligible cash deposits. The cooperative’s geographic footprint and risk exposure are concentrated in its surrounding economy, and its smaller scale relative to nationwide banks may influence product breadth, pricing, and service availability; prospective clients should verify specific features, remote onboarding options, and documentation requirements before opening an account.