CredCrea

What CredCrea does

CredCrea Cooperativa de Crédito is a Brazilian credit cooperative founded in 2002 and headquartered in Florianópolis, Santa Catarina, serving primarily engineers, architects, technicians, and technologists. As a member-owned financial institution, CredCrea operates as part of the Sistema Ailos network of 13 cooperatives, which collectively serve 1.8 million cooperados (members) and reached R$17.89 billion in total captação (deposits and investments) in the first half of 2025. CredCrea itself serves 36,000 members through 23 service points across Santa Catarina and Paraná, with operations expanding into the Federal District via a partnership with CAU/DF.

The cooperative offers a comprehensive suite of financial products organized across core banking (checking accounts, credit/debit cards, loans, investments, insurance, consortia, private pension), digital platforms (App Ailos+, App Ailos, App Ailos Cartões, App Ailos Lojista, Conta Online web banking), and specialized solutions tailored to engineering and architecture professionals (Crédito BIM for software/hardware financing, professional liability insurance, Crédito Investidor Imóvel for real estate investment). Recent product launches include Pix Automático (June 2025) for recurring automatic payments and RDC Rendimento Diário (May 2025) for daily-yield investments linked to CDI.

Revenue is generated primarily through net interest income from credit operations (personal loans, business credit, mortgages, vehicle financing, payroll loans), fees on financial services (account maintenance, card fees, investment management, insurance commissions), and investment product returns. Member returns flow back to cooperados through Sobras (profit distribution, R$2.1 million in 2025) and interest on capital (R$8.2 million credited in 2026 for the 2025 fiscal year). The cooperative reached R$1 billion in assets in 2025, carries an A+ rating from Fitch Ratings with positive outlook, and operates under Brazilian Central Bank regulation with FGCoop deposit protection up to R$250,000 per member.

Name

CredCrea

Legal name

CredCrea Cooperativa de Crédito

Website

https://credcrea.coop.br

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

101–250 employees

Short description

CredCrea is a Brazilian credit cooperative serving 36,000 engineers, architects, technicians, and technologists across Santa Catarina and Paraná through 23 service points and digital apps, operating as part of the Sistema Ailos cooperative network.

Ownership category

akta.pro rank

Headquarters

HQ city

Florianópolis

HQ country

Brazil

HQ region

Latin America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Interest Income from Credit Operations: Core revenue from lending activities including personal loans, business credit, mortgages, vehicle financing, payroll loans (crédito consignado), and specialized credit products (Crédito BIM, Crédito Investidor Imóvel). Interest rates vary by product with promotional rates starting from 1.50% per month for debt renegotiation.
2. Fee Income from Financial Services: Revenue from service fees including account maintenance, card fees (with potential zero annual fee), transaction fees, investment management, and insurance commissions.
3. Capital Returns to Members: Cooperatives distribute profits (sobras) to members proportionally based on product/service utilization. R$2.1 million distributed in 2025; R$8.2 million in interest on capital credited in 2026 for 2025 exercise. Returns are credited to member capital quotas.
4. Investment Products: Revenue from investment products including savings, fixed income (RDC, LCI, LCA), pension plans (Previdência Privada), and capital quotas (Cota Capital) that generate returns for members.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels8 records

Core offering

CredCrea is a credit cooperative (Cooperativa de Crédito) that provides financial services including checking accounts, credit and debit cards, personal and business loans, investments, insurance, consortia, private pension plans, Pix payments, and foreign exchange. It operates exclusively for engineers, architects, technicians, and technologists as part of the Sistema Ailos network, distributing profits (sobras) back to its members.

Product overview

CredCrea is a credit cooperative serving engineers, architects, technicians, and technologists in Santa Catarina and Paraná. The cooperative operates as a multi-product financial platform organized into core banking products (checking accounts, credit cards, loans, investments, insurance, consortia, and private pension) enhanced by digital channels (App Ailos+, App Ailos, App Ailos Cartões, App Ailos Lojista), specialized offerings (Procapcred for capital quota financing, Pix Automático for recurring payments, RDC Rendimento Diário for daily-yield investments), and segment-specific solutions (Crédito BIM for technology, professional liability insurance, Crédito Investidor Imóvel for real estate). The product architecture combines traditional cooperative financial services with modern digital banking capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• Sistema Ailos: CredCrea is part of the Ailos System, a network of credit cooperatives offering financial products and services.

Products and services

• Conta Corrente Checking account for individuals and businesses to manage daily finances, payments, and transfers. Available as digital account opening via App Ailos+ and physical service points.
• Cartões Credit and debit card portfolio including Cartão Black with exclusive benefits and potential zero annual fee for members.
• Crédito / Empréstimos Credit products including personal loans, consigned loans (crédito consignado), MEI credit, secured loans with property guarantee, sustainable loans, quick credit, vehicle financing, and direct financing in stores.
• Investimentos Financeiros Investment products including fixed income applications, savings, RDC (Recibo de Depósito Cooperativo), LCI, and programmed investments for individuals and businesses.
• Seguros Insurance products including auto, life, residential, photovoltaic, and professional liability civil insurance (RCP) tailored for engineers, architects, and technicians.
• Consórcios Consortium plans for acquiring vehicles, trucks, motorcycles, real estate, and services through group savings with no interest charges.
• Previdência Privada Private pension plan with tax deduction benefits up to 12% of annual gross income, adjustable to individual retirement goals.
• Pix Automático Automatic recurring payment service that debits utility bills, subscriptions, and recurring charges on agreed dates without repeated authorization.
• RDC Rendimento Diário Daily yield investment product linked to CDI rate with minimum application of R$5, allowing redemptions without loss of already accumulated returns.
• Procapcred BNDES-backed credit line for financing acquisition of capital quotas in the cooperative. Offers up to R$100,000 per CPF/CNPJ, payable in up to 120 months with included grace period. Available every 24 months.
• Câmbio Foreign exchange services for international transactions and currency conversion.
• Cota Capital Capital quota investment that represents member ownership in the cooperative, earning returns based on annual results and strengthening member participation.
• Maquininha de Cartão Card payment terminal for merchants to accept card transactions through the cooperative.
• Flash Benefícios Employee benefits platform for businesses offering meal, food, and supplementary benefit cards.
• Desenrola Ailos Debt renegotiation program offering up to 95% discount on debts older than 90 days, with interest starting from 1.50% per month and installment plans up to 48 months.
• App Ailos+ Digital account opening application for new members, enabling 100% digital account creation with access to financial services, Pix, payments, investments, cards, and insurance.
• App Ailos Cartões Card management app for monitoring Ailos cards, virtual card generation, invoice consultation, spending categorization, limits management, and Programa Ganhe Pontos rewards.
• App Ailos Lojista Merchant application for CDC (Crédito Direto ao Cooperado) operations enabling payment tracking, cash flow analysis, sales management, and financial oversight in real time.
• Crédito BIM Specialized financing for software licenses and hardware with differentiated rates, exclusive for engineers, architects, and technicians.
• Crédito Imobiliário Real estate financing including loans with property guarantee and the Crédito Investidor Imóvel product financing up to 100% of property value or SPE quotas.
• Financiamento BNDES BNDES-backed financing options for businesses including working capital and specialized credit lines.

Quantifiable outcome

• R$2.1 million distributed to 36,000 members as profit sharing (Sobras) in 2025
• +4 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• CREA-PR - Conselho Regional de Engenharia e Agronomia do ParanácoreGTM or Marketing Partner · 12 November 2025Sixth consecutive year of participation in 51st EPEC (Encontro Paranaense de Entidades de Classe) in November 2025. CredCrea maintains dedicated booth for relationship with engineers and presentation of financial solutions. Participation in panel on fundraising for class entities. Strengthens relationship with 7 service points in Paraná state.
• CAU/DF - Conselho de Arquitetura e Urbanismo do Distrito FederalcoreStrategic or Co-development Partner · 22 August 2025Partnership announced in August 2025 to provide specialized financial solutions for architects in Distrito Federal. Includes dedicated service and personalized financial consulting, specific credit lines for projects and technology investment, equipment and software consortiums, professional insurance (Responsabilidade Civil and Garantia). CredCrea serves as the first supporter (primeira apoiadora) of the architectural community through CAU/DF.
• Escola Técnica GeraçãominorStrategic or Co-development PartnerDevelopment partner for CoopEDUCA educational project that connects professional formation with financial market demands and cooperative credit principles. CredCrea acts as first supporter (primeira apoiadora) of the project aimed at students, young professionals, career changers, and those interested in cooperative credit.
• Serasa Limpa NomeminorChannel Partner/ Reseller/ DistributorDigital debt renegotiation channel allowing members to renegotiate debts through Serasa platform. Cooperative provides information and step-by-step guidance for members to access the service.
• Collection Agencies (Assessorias Credenciadas)minorChannel Partner/ Reseller/ Distributor9 accredited collection agencies for debt negotiation: Egger & Mesquita, Ferraz Advogados Associados, Goes & Nicoladelli, HGSA, Meetcall, Oliveira & Antunes, TRC Recuperação, Localcred, and Fácil. Each with dedicated WhatsApp and telephone contacts for debt renegotiation.
• Golden Brazil LeilõesminorChannel Partner/ Reseller/ DistributorPartnership for online auction of real estate properties (residential, commercial, and land) in Santa Catarina, Paraná, and Rio Grande do Sul states. Auction conducted 100% online.
• Banco Central do BrasilcoreOthersRegulatory oversight by Banco Central. Operates under Pix system regulations, FGCoop protection framework, and Open Finance requirements. Enforces consumer protection standards including automatic Pix security measures.

Scale indicators10 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Unicred: Unicred is a Brazilian credit union historically focused on healthcare professionals, with a similar vertical-cooperative positioning to CredCrea's focus on engineers and architects. Comparable in business model and product set, though with a different professional persona.
• Cresol: Cresol is a Brazilian credit cooperative system with a member-owned model and multi-state presence. Directly comparable to CredCrea in operating model, though Cresol's primary focus is on agriculture and small rural producers rather than urban professionals.
• Sicoob: Sicoob is the largest credit cooperative system in Brazil, with a similar member-owned governance and product mix to CredCrea. The two are direct peers in cooperative banking, though Sicoob operates at substantially greater scale and across more sectors and regions.
• Sicredi: Sicredi is one of Brazil's largest cooperative credit systems with a member-owned model and multi-state footprint. It is directly comparable to CredCrea in operating model (credit cooperative) and product breadth, though it is significantly larger and more geographically diversified.

Broad incumbents

• Itaú Unibanco: Itaú is Brazil's largest private bank and competes with CredCrea on retail banking, lending, and investment products. It is a broad incumbent rather than a niche cooperative, but it overlaps in target customer and product set within CredCrea's geographic footprint.
• Banco do Brasil: Banco do Brasil is a major federal commercial bank offering a full suite of credit, investment, and insurance products to individuals and businesses. It competes with CredCrea for the same professional and SMB customers in the same geography, but at substantially larger scale and with a much broader mandate.
• Caixa Econômica Federal: Caixa is a major Brazilian federal bank with a strong footprint in payroll-linked credit (consignado), housing finance, and public-sector banking. It overlaps with CredCrea in payroll-deducted loans and mortgage products but operates nationally with a public mandate.
• Bradesco: Bradesco is one of Brazil's largest private banks, providing retail, commercial, and investment services. It competes with CredCrea for professional and SMB customers in southern Brazil, though with a much broader product portfolio and national reach.

Emerging players

• Nubank: Nubank is Brazil's largest neobank and competes with CredCrea for the same digital-native professional customer base with low-fee checking, credit cards, and personal loans. It is a digital-first competitor targeting the persona that CredCrea is also trying to grow among younger engineers and architects.
• Banco Inter: Inter is a Brazilian digital bank offering a free digital account, loans, investments, and insurance. It is an emerging direct competitor to CredCrea's app-based onboarding and SMB banking experience, particularly for the under-35 professional segment in southern Brazil.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/PLCwE-8IsOGc0HX6MR7NKCY5wq6nPnumoi

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CredCrea