1 / 6
This number is indicative of the product risk, where 1/6 indicates lower risk, and 6/6 indicates greater risk.
Cajamar Caja Rural is a member of the Spanish Credit Entities Deposit Guarantee Fund. The maximum amount guaranteed actually by this Fund is 100,000 euros per depositor.
For balances up to € 6,000, the entire balance accrues interest at 0.25% NIR - AER 0.25%(1).
For balances from €6,000.01 to €12,000, the entire daily balance in the account is remunerated at 2.50% NIR - AER 2.52%(2). The maximum balance to be remunerated is €12,000, the balance above €12,000 is not remunerated.
No account management or maintenance fee (Whenever you access the interest).
How can you earn interest on your 360º account?
All account holders must have home banking.
At least one of the account holders must be a member of the entity, with a minimum contribution of €61.
Maintain a daily account balance equal to or greater than 1,000€.
And simultaneously meet these three conditions:
Have a direct deposit arrangement in place for your salary, unemployment benefits, or recurrent income ≥€900 /month or pension ≥€600/month.
Credit card retail purchases ≥€3,000/year.
The sum total of the account holders’ balances must be greater than €50,000 in these products (balance in deposits, average balance in instant access accounts, and average balance in financial markets accounts) or be members of the Insurance Club for the amount ≥€250 .
If the above engagement requirements are not jointly fulfilled, see point (3) of the secondary message.
Consumer accounts (accounts with movements relating to a particular economic activity)..
1 AER 0,25% for a NIR 0,25%: Interest paid quarterly. Gross interest payable from 15/03/2023 to 15/06/2023 is €3.78 for a daily balance of 6,000 euros maintained during the liquidation period.
2 AER 2.52% for a NIR 2.50%: Interest paid quarterly. Gross interest payable from 15/03/2023 to 15/06/2023 is €75.62 for a daily balance of 12,000 euros maintained during the liquidation period.
(3) Full information on the engagement requirements applicable to the 360º Remunerated Account are available in the pre-contractual information.
If the necessary engagement requirements are not fulfilled, the account maintenance fee will be €30 per quarter.
AER -1.98% - NIR 0% calculated for a 12-month term assuming a constant daily balance of €6,000 during the liquidation period.
AER -1.00% - NIR 0% calculated for a 12-month term assuming a constant daily balance of €12,000 during the liquidation period