Coopeuch
Coopeuch is a Chilean savings and credit cooperative founded in 1967 serving 1.3 million members nationwide through 60+ branches and digital platforms, offering consumer loans, mortgages, credit cards, savings accounts, and insurance under a member-ownership model that distributes annual surplus (Remanente) back to participants.
- Company typePrivate
- Founded1967
- HeadquartersSantiago, Chile
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
What Coopeuch does
Coopeuch is a privately held savings and credit cooperative (Cooperativa de Ahorro y Crédito) founded in 1967 and headquartered in Santiago, Chile. It operates under a member-ownership model in which each member holds a $368/month participation quota (cuota de participación) and receives an annual share of the cooperative's surplus (Remanente) based on participation and product usage. Coopeuch serves 1.3 million members across Chile through an omnichannel distribution network of over 60 physical branches spanning from Arica to Punta Arenas, supplemented by AppCoopeuch mobile banking (iOS/Android/Huawei, 872K+ downloads, 4.8/5 rating), Coopeuch en Línea web banking, PassCoopeuch authentication, a contact center (600 200 1200), WhatsApp-based credit simulation, and a Financial Portability portal for customers switching from other institutions.
The product portfolio spans five categories: credit products (consumer loans at rates from 1.16%, pensioner credits, MYPE business credits, universal credit, financial portability, and a full mortgage suite including standard, green, youth, and subsidy-linked products); payment products (Cuenta Vista zero-cost checking accounts, Cuenta Vista Jóvenes, Mastercard Internacional and Dorada credit cards, and Tarjeta Prepago Dale); savings and investment products (Cuenta Ahorro Adultos, Cuenta Ahorro Niños, Cuenta Ahorro Vivienda recognized by MINVU for housing subsidies, fixed-term deposits, and broader investment products); insurance products distributed through partnerships with MetLife (supplementary health), BNP Paribas Cardif (pet), Bice Vida (Desgravamen for mortgages), Consorcio Nacional de Seguros (fire/earthquake), and BCI Seguros; and digital banking platforms integrating Apple Pay, Google Pay, and Mastercard acceptance.
Revenue is generated through interest income on the consumer, mortgage, pensioner, and MYPE loan books, fee income from accounts and transactions, recurring commissions from insurance distribution, and net interest spread on savings deposits lent back out. The cooperative is supervised by the Superintendencia de Bancos e Instituciones Financieras (SBIF), regulated by Banco Central de Chile, and controlled by the Departamento de Cooperativas del Ministerio de Economía, complying with Chilean financial regulations including FATCA, CRS, Ley N° 20.393 (AML), and Ley N° 21.398. Customer segments are diversified across pensioners, salaried workers, micro and small business owners, families, and homebuyers, with no concentration in any single enterprise account.
Coopeuch firmographics
Firmographics- Name
- Coopeuch
- Legal name
- Coopeuch Ltda.
- Website
- https://coopeuch.cl
- Company type
- Private
- Founded year
- 1967
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Coopeuch is a Chilean savings and credit cooperative founded in 1967 serving 1.3 million members nationwide through 60+ branches and digital platforms, offering consumer loans, mortgages, credit cards, savings accounts, and insurance under a member-ownership model that distributes annual surplus (Remanente) back to participants.
- Ownership category
- akta.pro rank
Coopeuch industry classification
Industry- Product category
- Cooperative Banking
- NAICS
- Credit Unions (522130), Consumer Lending (522291), Credit Card Issuing (522210)
- SIC
- Personal Credit Institutions (6141), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
- akta.pro secondary industry
- Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)
Keywords
Where Coopeuch is headquartered
LocationHeadquarters
- HQ city
- Santiago
- HQ country
- Chile
- HQ region
- Latin America
Offices29 records
Markets served
Coopeuch business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Supply Chain
Revenue model
- Interest Income from Loans: Coopeuch generates primary revenue through interest earned on various credit products including consumer loans (Crédito de Consumo), mortgage loans (Crédito Hipotecario), pensioner loans (Crédito Pensionados), and MYPE loans (Crédito MYPE). The cooperative offers competitive rates starting from 1.16% for consumer credit.
- Fee Income: Various fees are collected for financial services including account maintenance fees (though many accounts have zero cost), transaction fees, and card-related charges. Some premium services and insurance products generate fee revenue.
- Insurance Distribution: Coopeuch acts as an insurance distributor offering auto insurance, home insurance, life insurance, health insurance, pet insurance, travel insurance, and education insurance through partnerships with insurance companies like MetLife, BNP Paribas Cardif, and BCI Seguros.
- Savings Account Interest: Interest paid to members on savings accounts including savings accounts for adults, children, and housing. These accounts generate interest income while the cooperative utilizes deposited funds for lending operations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Consumer loans with up to 84 months terms |
| Unit Pricing | Annual | SOAP mandatory auto insurance |
| Subscription | Monthly | Pet insurance coverage |
| Subscription | Monthly | Supplementary health insurance |
| Subscription | Monthly | Credit cards with points system |
| Unit Pricing | Annual | Personal accident insurance |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels8 records
Coopeuch product offering
Product offeringCore offering
Coopeuch is a savings and credit cooperative (Cooperativa de Ahorro y Crédito) in Chile that offers a comprehensive suite of financial products to individual members and micro/small businesses. Core offerings include consumer loans, mortgage loans, pensioner credits, MYPE (micro/small business) credits, savings accounts, checking accounts, credit cards, prepaid cards, fixed-term deposits, and a broad portfolio of insurance products distributed through partnerships with underwriters such as MetLife, BNP Paribas Cardif, and Bice Vida. Members participate as co-owners of the cooperative and receive annual Remanente (surplus) distributions, scholarships, and discounts through the Puntos Coopeuch loyalty network.
Product overview
Coopeuch is a savings and credit cooperative (Cooperativa de Ahorro y Crédito) in Chile offering a comprehensive financial services portfolio organized into five main categories: credit products (consumer loans, mortgage loans, pensioner credits, MYPE business credits, and financial portability), payment products (checking accounts, credit cards, prepaid cards), savings and investment products (adult savings accounts, children's savings, housing savings accounts, and fixed-term deposits), insurance products (automotive, home, life, health, travel, personal accident, pet, and education insurance), and digital banking platforms (AppCoopeuch mobile app, PassCoopeuch authentication app, Coopeuch en Línea online banking, and Pago Online payment platform). The cooperative model enables members to participate in annual surplus distribution (Remanente) and access educational benefits including scholarships and study bonuses. The product ecosystem is interconnected through the digital banking platforms that allow management of all products, with Mastercard integration for global card acceptance and Apple Pay/Google Pay compatibility for mobile payments.
Differentiator
Problem solved
Functional benefit
Brands
- AppCoopeuch: Mobile banking application for managing accounts, transfers, payments, and other financial services
- PassCoopeuch
- AhorrAndo App
- Tarjeta Prepago Dale
- Coopeuch Educa
- Sembrando Cultura
Products and services
- Crédito de Consumo Consumer credit product offering loans from 6 to 84 months with up to 90 days to pay the first installment, available 100% online to individual members.
- Crédito Pensionados
Quantifiable outcome
- Over $72 billion CLP distributed in Remanente to 1.3 million members in 2026
- +3 more outcomes
Companies that use Coopeuch
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles5 records
Coopeuch technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature4 records
Coopeuch partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered flagship, core, major and minor.
- CopecflagshipStrategic alliance signed with Copec to drive concrete environmental actions, supporting energy transition and benefiting over 1 million members. The agreement covers solar energy adoption, energy efficiency, and electromobility initiatives.
- UNEP FI (United Nations Environment Programme Finance Initiative)coreCoopeuch became a signatory to UNEP FI in May 2023, committing to implement the 6 Principles of Responsible Banking over a 4-year period. The cooperative focuses on environmental (carbon footprint) and social (health and financial inclusion) commitments.
- BNP Paribas CardifcoreInsurance partner offering pet insurance and other insurance products through Coopeuch's distribution network. BNP Paribas Cardif provides the insurance backing for Coopeuch's pet insurance product.
- MetLifecoreMetLife provides supplementary health insurance products distributed through Coopeuch. Offers plans with deductibles from UF 0.5, up to 30% pharmacy discounts, and national/international coverage.
- Bice VidacoreBice Vida was awarded the insurance contract for Desgravamen and Total and Permanent Disability 2/3 coverage for mortgage loans, offering the lowest rate of 0.014814% monthly.
- Consorcio Nacional de SeguroscoreConsorcio Nacional de Seguros was awarded the contract for Fire, Earthquake and Additional Coverage insurance for mortgage loans, offering the lowest rate of 0.014010% monthly.
- Pacto Global (UN Global Compact)majorCoopeuch formalized its commitment to the 17 Sustainable Development Goals (SDGs) through adherence to the UN Global Compact, generating a strategic agenda with initiatives aligned to global sustainability standards.
- Pontificia Universidad Católica de ChilemajorPartnership for financial education and digital literacy programs. Joint programs include education initiatives for members and the community, particularly seniors.
- Fundación Conecta MayorminorPartnership for digital literacy programs targeting seniors, helping elderly members access digital banking services and financial education.
- TriCiclosminorEnvironmental partnership for recycling initiatives. Coopeuch maintains various recycling alliances including TriCiclos, Fundación San José and other supply providers.
Scale indicators10 records
Recent moves6 records
Expansion highlights6 records
Coopeuch competitors and assessment
Company assessmentDirect peers
- Caja de Compensación Los Andes: Chilean compensation fund serving salaried workers and pensioners with credit, savings, and welfare benefits. Highly comparable to Coopeuch in target customer segments (pensioners, salaried workers) and product mix (consumer credit, social benefits, supplementary offerings), though operates under the compensation-fund regulatory framework rather than cooperative law.
- Caja de Compensación La Araucana: Chilean compensation fund serving workers and pensioners with credit, savings, and social benefits. Directly comparable to Coopeuch in segment focus (pensioners, salaried workers) and community-driven GTM, competing for the same Chilean member base in social/welfare-linked financial products.
- Caja 18 de Septiembre: Chilean compensation fund providing credit, savings, and social benefits to affiliated workers and pensioners. Competes with Coopeuch for the same member demographic in Chile, with a similar social-mission positioning and overlapping product portfolio (consumer credit, supplementary benefits).
- Coopeuch's smaller Chilean cooperative peers (Detacoop, Coocretal, Capual): Other Chilean savings and credit cooperatives operating under the same Departamento de Cooperativas / SBIF regulatory framework as Coopeuch. They compete in the same member-led, community-driven cooperative model serving Chilean consumers and small businesses, though at materially smaller scale than Coopeuch's 1.3M member base.
Broad incumbents
- BancoEstado: Chile's state-owned commercial bank and one of the largest financial institutions in the country with nationwide branch coverage. While it operates a much broader portfolio (corporate banking, mortgage, commercial credit) and is a for-profit entity, it directly competes with Coopeuch for retail deposits, consumer loans, and pensioner financial services across the same Chilean geography.
- Desjardins Group: Canadian cooperative financial group serving 7M+ members with credit unions, insurance, and wealth management. Operates as a member-owned cooperative similar to Coopeuch in governance model and social mission, making it a structural benchmark for cooperative financial services at scale, though operating in a different (Canadian) regulatory and competitive environment.
- Banco de Chile: One of Chile's largest private commercial banks with extensive retail and corporate operations. Competes with Coopeuch for consumer deposits, consumer loans, and credit card business in Chile, offering a benchmark for incumbent-bank product breadth, digital capabilities, and pricing power that Coopeuch must match to retain members.
- Rabobank: Dutch cooperative bank with global operations in retail banking, wholesale banking, and rural finance. Relevant as a structural benchmark for cooperative governance at scale and member-owned banking model, though operating primarily in agricultural finance, food/agribusiness, and European retail rather than Chilean consumer finance.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Coopeuch social profiles
Digital presenceCoopeuch compliance and trust
Trust signalCompliance1 record
Coopeuch financial estimates
Financial estimateRevenue estimate
Valuation estimate
Coopeuch leadership team
Management profileNumber of profiles
Profiles1 record
Coopeuch funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Coopeuch M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Coopeuch
What does Coopeuch do?
Coopeuch is a savings and credit cooperative (Cooperativa de Ahorro y Crédito) in Chile that offers a comprehensive suite of financial products to individual members and micro/small businesses. Core offerings include consumer loans, mortgage loans, pensioner credits, MYPE (micro/small business) credits, savings accounts, checking accounts, credit cards, prepaid cards, fixed-term deposits, and a broad portfolio of insurance products distributed through partnerships with underwriters such as MetLife, BNP Paribas Cardif, and Bice Vida. Members participate as co-owners of the cooperative and receive annual Remanente (surplus) distributions, scholarships, and discounts through the Puntos Coopeuch loyalty network.
Is Coopeuch a public or private company?
Coopeuch is a private company. It is classified as unknown and is currently operating.
When was Coopeuch founded?
Coopeuch was founded in 1967. It employs 1,001 to 5,000 people.
Where is Coopeuch based?
Coopeuch is headquartered in Santiago, Chile, in the Latin America region.
How does Coopeuch make money?
Four revenue lines are on record. Interest Income from Loans are the primary driver. The others are fee Income, insurance Distribution and savings Account Interest.
Who are Coopeuch's main competitors?
Direct peers on record are Caja de Compensación Los Andes, Caja de Compensación La Araucana, Caja 18 de Septiembre and Coopeuch's smaller Chilean cooperative peers (Detacoop, Coocretal, Capual). Broad incumbents are BancoEstado, Desjardins Group, Banco de Chile and Rabobank.
Does Coopeuch have an API?
No public API is recorded for Coopeuch.
What industry is Coopeuch in?
Coopeuch's product category is Cooperative Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus), with a secondary code of FSABAEAF, Cooperative Banks (Member-Owned Commercial/Retail). Its NAICS code is 522130 and its SIC code is 6141.