Is Cooperativa De Ahorro Y Credito Tulcan Limitada insured?

Yes. Deposits at Cooperativa De Ahorro Y Credito Tulcan Limitada are covered by COSEDE, Ecuador's deposit insurance agency, up to $32,000 per depositor. Amounts above that at a single institution are not guaranteed.

What is Cooperativa De Ahorro Y Credito Tulcan Limitada's safety rating?

Cooperativa De Ahorro Y Credito Tulcan Limitada carries a AAA- rating from Class, as of 2025-12-31, on Ecuador's local AAA to E scale (a different scale from the global Fitch or S&P one).

Is CD interest taxed in Ecuador?

Interest on deposits held 180 days or more is exempt from income tax. Deposits held under 180 days have a small withholding that is a creditable advance.

How do I open a CD at Cooperativa De Ahorro Y Credito Tulcan Limitada?

You open it directly with Cooperativa De Ahorro Y Credito Tulcan Limitada. The rates here are a starting point; institutions often pay more on inquiry, especially for larger deposits, so name your amount and ask.

← All Ecuador CD rates

Ecuador Term Deposit · Updated August 2026

Cooperativa De Ahorro Y Credito Tulcan Limitada

Cooperative COSEDE $32,000 AAA- (Class)

Here is what Cooperativa De Ahorro Y Credito Tulcan Limitada is advertising on its term deposits right now, paired with its rating and insurance, because the highest rate and the safest home for your money are not always the same place. Rates move, so treat this as a starting point and confirm the figure with the institution before you commit.

Current rates

No current rates on file. See the full table.

Want to see what a deposit here would grow to after tax? Use the CD Returns Calculator on the main page, or weigh it against buying property with the CD vs Cuenca Property tool.

Is your money safe here?

Deposit insurance

$32,000 COSEDE, per depositor

That is the insured ceiling at one institution. If you are placing more than that, splitting across institutions keeps the whole balance covered.

Independent rating

AAA- Class · as of 2025-12-31

On Ecuador's local AAA to E scale. Strong grades (AAA, AA, A) sit at the top; BBB is adequate; BB and below are weaker. A different scale from the global Fitch or S&P one.

Financial health SEPS · May 2026

18.0% Solvency

6.9% Delinquency

130.4% Loan-loss coverage

Solvency is the capital cushion (Ecuador's legal minimum is 9%, and higher is safer). Delinquency (morosidad) is the share of loans behind on payment, so lower is better. Loan-loss coverage is how much of those overdue loans the institution has already set aside for, where above 100% is prudent. Figures from the SEPS monthly bulletin; SEPS publishes them but does not endorse any institution.

Sources

Rating report (Class)

Good to know before you deposit

Is Cooperativa De Ahorro Y Credito Tulcan Limitada insured?: Yes. Deposits at Cooperativa De Ahorro Y Credito Tulcan Limitada are covered by COSEDE, Ecuador's deposit insurance agency, up to $32,000 per depositor. Amounts above that at a single institution are not guaranteed.
What is Cooperativa De Ahorro Y Credito Tulcan Limitada's safety rating?: Cooperativa De Ahorro Y Credito Tulcan Limitada carries a AAA- rating from Class, as of 2025-12-31, on Ecuador's local AAA to E scale (a different scale from the global Fitch or S&P one).
Is CD interest taxed in Ecuador?: Interest on deposits held 180 days or more is exempt from income tax. Deposits held under 180 days have a small withholding that is a creditable advance.
How do I open a CD at Cooperativa De Ahorro Y Credito Tulcan Limitada?: You open it directly with Cooperativa De Ahorro Y Credito Tulcan Limitada. The rates here are a starting point; institutions often pay more on inquiry, especially for larger deposits, so name your amount and ask.

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