Caja Rural San José de Nules S. Coop. de Crédito V.

Caja Rural San José de Nules S. Coop. de Crédito V. is a Spanish cooperative credit institution based in Nules (Castellón, Valencian Community) that operates under the legal framework for cooperatives de crédito and is integrated into Grupo Caja Rural’s shared infrastructure. It provides retail and SME banking services typical of the segment: current and savings accounts, term deposits, mortgages, consumer and agricultural lending, payment cards, merchant acquiring, SEPA transfers and direct debits, and online and mobile banking through the group’s digital channels. As a cooperative, customers may become member-shareholders by subscribing cooperative capital and participating in governance under the one-member-one-vote principle; membership is not required for all products. The entity distributes insurance and investment products as an intermediary, with deposits covered by Spain’s Fondo de Garantía de Depósitos up to 100,000 euros per depositor and per entity (non-deposit products are not covered). It is subject to prudential supervision by Banco de España within the EU Single Supervisory Mechanism and applies PSD2 strong customer authentication, AML/KYC due diligence, and data protection rules. The branch footprint is local and regional; access to a broader ATM and payments network is provided via group agreements. Pricing, fees, and interest conditions depend on product and customer linkage (income domiciliation, card usage, insurance/investment bundles), and mortgage pricing typically references Euribor plus a margin with standard commissions. Account opening generally requires standard identification and tax documentation; remote onboarding availability depends on channel. The entity publishes annual accounts and regulatory disclosures; complaints are handled by its Customer Service and, if unresolved, may be escalated to the Banco de España claims service. Terms and availability can change; consult the entity before contracting.