In the Santa Catalina Cooperative, we are committed to offering our members a wide range of financial products with accessible terms tailored to their needs.
We offer personal, mortgage, consumption, microenterprise, and small and medium-sized business loans, as well as attractive fixed-term deposits.
Each product is designed to provide efficient and flexible solutions, always with competitive rates and terms adjusted to the possibilities of our members. We also offer preferential conditions according to various agreements, guaranteeing a personalized service that supports the development and well-being of each of our members.
Our goal is to provide the best financial tools for the personal and business growth of our members.
TEA - Medium Enterprises (Debt greater than 300,000 in the last 6 months in the Financial System)
| TEA | ||||||
|---|---|---|---|---|---|---|
| Product | Range | Purpose | Maximum Term | Recurring and Self-liquidating Guarantee | With Preferred Guarantee (1st Mortgage, Movable Property) |
Without Preferred Guarantee |
| Medium Coop | 1 - 1,000 | Business Activities - CT or AF | 12 | 29.00% | 33% | 37.00% |
| Medium Coop | 1,001 - 5,000 | Business Activities - CT or AF | 12 | 28.00% | 32% | 36.00% |
| Medium Coop | 5,001 - 10,000 | Business Activities - CT or AF | 18 | 27.00% | 31% | 35.00% |
| Medium Coop | 10,000 - 20,000 | Business Activities - CT or AF | 18 | 26.00% | 30% | 34.00% |
| Medium Coop | 20,000 - 40,000 | Business Activities - CT or AF | 24 | 25.00% | 29% | 33.00% |
| Medium Coop | 40,000 - 100,000 | Business Activities - CT or AF | 24 | 24.00% | 28% | Without Special Guarantee |
| Medium Coop | 100,000 - 200,000 | Business Activities - CT or AF | 30 | 23.00% | 27% | Without Special Guarantee |
| Medium Coop | 200,000 - 300,000 | Business Activities - CT or AF | 30 | 22.00% | 26% | Without Special Guarantee |
| Medium Coop | 300,000 - 500,000 | Business Activities - CT or AF | 36 | 21.00% | 25% | Without Special Guarantee |
SMALL ENTERPRISES
(Total debt between 20,000 and 300,000 in the last 6 months in the Financial System)
| TEA | ||||||
|---|---|---|---|---|---|---|
| Product | Range | Purpose | Maximum Term | Recurring and Self-liquidating Guarantee | With Preferred Guarantee (1st Mortgage, Movable Property) |
Without Preferred Guarantee |
| Small Coop | 1 - 1,000 | Business Activities - CT or AF | 12 | 32.00% | 36% | 40.00% |
| Small Coop | 1,001 - 5,000 | Business Activities - CT or AF | 12 | 31.00% | 35% | 39.00% |
| Small Coop | 5,001 - 10,000 | Business Activities - CT or AF | 18 | 30.00% | 34% | 38.00% |
| Small Coop | 10,000 - 20,000 | Business Activities - CT or AF | 18 | 29.00% | 33% | 37.00% |
| Small Coop | 20,000 - 40,000 | Business Activities - CT or AF | 24 | 28.00% | 32% | 36.00% |
| Small Coop | 40,000 - 100,000 | Business Activities - CT or AF | 24 | 27.00% | 31% | Without Special Guarantee |
| Small Coop | 100,000 - 200,000 | Business Activities - CT or AF | 36 | 26.00% | 30% | Without Special Guarantee |
| Small Coop | 200,000 - 300,000 | Business Activities - CT or AF | 36 | 25.00% | 29% | Without Special Guarantee |
MICRO ENTERPRISES
(Debt less than 20,000 in the last 6 months in the Financial System)
| TEA | ||||||
|---|---|---|---|---|---|---|
| Product | Range | Purpose | Maximum Term | Recurring and Self-liquidating Guarantee | With Preferred Guarantee (1st Mortgage, Movable Property) |
Without Preferred Guarantee |
| Micro Coop | 1 - 1,000 | Business Activities - CT or AF | 12 | 37.00% | 41% | 49.00% |
| Micro Coop | 1,001 - 5,000 | Business Activities - CT or AF | 12 | 36.00% | 40% | 48.00% |
| Micro Coop | 5,001 - 10,000 | Business Activities - CT or AF | 18 | 35.00% | 39% | 47.00% |
| Micro Coop | 10,001 - 20,000 | Business Activities - CT or AF | 30 | 34.00% | 38% | 46.00% |
NON-REVOLVING CONSUMPTION
(For individuals based on payment capacity)
| TEA | ||||||
|---|---|---|---|---|---|---|
| Product | Range | Purpose | Maximum Term | Recurring and Self-liquidating Guarantee | With Preferred Guarantee (1st Mortgage, Movable Property) |
Without Preferred Guarantee |
| Consumption Coop | 1 - 1,000 | Without Preferred Guarantee | 12 | 46.00% | 50% | 58.00% |
| Consumption Coop | 1,001 - 5,000 | Without Preferred Guarantee | 12 | 45.00% | 49% | 57.00% |
| Consumption Coop | 5,001 - 10,000 | Without Preferred Guarantee | 18 | 44.00% | 48% | 56.00% |
| Consumption Coop | 10,000 - 20,000 | Without Preferred Guarantee | 24 | 43.00% | 47% | 55.00% |
| Consumption Coop | 20,000 - 40,000 | Without Preferred Guarantee | 42 | 42.00% | 46% | 54.00% |
| Consumption Coop | 40,000 - 100,000 | Without Preferred Guarantee | 48 | 41.00% | 45% | Without Special Guarantee |
MORTGAGE LOANS
(For individuals based on payment capacity)
| TEA | ||||||
|---|---|---|---|---|---|---|
| Product | Range | Purpose | Maximum Term | Recurring and Self-liquidating Guarantee | With Preferred Guarantee (1st Mortgage, Movable Property) |
Without Preferred Guarantee |
| Mortgage Cooperative | 20,000 - 40,000 | Acquisition or Construction | 60 | 16.00% | 20% | 24.00% |
| Mortgage Cooperative | 40,000 - 100,000 | Acquisition or Construction | 72 | 15.00% | 19% | Without Special Guarantee |
| Mortgage Cooperative | 100,000 - 200,000 | Acquisition or Construction | 96 | 14.00% | 18% | Without Special Guarantee |
| Mortgage Cooperative | 200,000 - 300,000 | Acquisition or Construction | 120 | 13.00% | 17% | Without Special Guarantee |
Non-Revolving Consumption - Agreement (For Individuals Based on Payment Capacity)
| TEA | ||||||
|---|---|---|---|---|---|---|
| Product | Range | Purpose | Maximum Term | Recurring and Self-liquidating Guarantee | With Preferred Guarantee (1st Mortgage, Movable Property) |
Without Preferred Guarantee |
| Cooperative Convention | 5,001 - 10,000 | Without Preferred Guarantee | 12 | 22.00% | 26% | 30.00% |
| Cooperative Convention | 10,000 - 20,000 | Without Preferred Guarantee | 24 | 21.00% | 25% | 29.00% |
| Cooperative Convention | 20,000 - 40,000 | Without Preferred Guarantee | 48 | 20.00% | 24% | 28.00% |
| Cooperative Convention | 40,000 - 100,000 | Without Preferred Guarantee | 60 | 19.00% | 23% | Without Special Guarantee |
| Cooperative Convention | 100,000 - 200,000 | Without Preferred Guarantee | 72 | 18.00% | 22% | Without Special Guarantee |
Tarifario de Productos Pasivos
(Valid for Natural and Legal Persons)
This rate schedule presents the interest rates, conditions, and features applicable to the deposit products offered by our institution, such as savings accounts, checking accounts, and fixed-term deposits.
These conditions apply to both natural and legal persons, in accordance with current regulations and the entity’s internal policies.Las condiciones aquí detalladas aplican tanto para personas naturales como jurídicas, conforme a la normativa vigente y a las políticas internas de la entidad.
The rates may be subject to changes depending on market behavior and will be updated according to the provisions established by the regulatory authorities, with prior and timely communication to our clients.Las tasas pueden estar sujetas a variaciones según el comportamiento del mercado y serán actualizadas conforme a lo dispuesto por los entes reguladores, previa comunicación oportuna a nuestros clientes.
For more information about each product, we invite you to visit our offices or contact one of our advisors.Para mayor información sobre cada producto, lo invitamos a acercarse a nuestras oficinas o comunicarse con uno de nuestros asesores.
| Type of Deposit | TREA |
|---|---|
| Mobile Savings Deposits | 1.00% |
| Term Deposits a 90 días | 1.50% |
| Term Deposits a 180 días | 2.0% |
| Term Deposits a 360 días | 2.50% |
| Term Deposits a 720 días | 3.00% |
| Term Deposits a 1080 días | 3.50% |
| Term Deposits a 1440 días | 4.00% |