JA Aichi Chuo

What JA Aichi Chuo does

JA Aichi Chuo (あいち中央農業協同組合 / Aichi Chuo Agricultural Cooperative) is a comprehensive Japanese agricultural cooperative founded in 1996 and headquartered in Anjo, Aichi Prefecture. It is registered as a financial institution (東海財務局長（登金）第84号) under Japan's Agricultural Cooperative Act and operates as a private, member-owned cooperative affiliated with the nationwide JA Group (JAグループ). The cooperative serves two primary constituencies: farmer-members in Aichi Prefecture and the general local public, delivering services across four organizational divisions — Food & Agriculture (食と農), Daily Life (くらし), JA Bank / JA Kyosai (financial services), and Events & Activities.

Its core offerings span agricultural production support (fertilizers/pesticides, technical guidance, the あおみっ子 parent-child farming school, and direct-sales stores 産直), banking through JA Bank (deposits, housing/auto/agricultural loans including アグリマイティー資金 at disclosed fixed and variable rates, asset management, and JA Net Bank online/mobile banking), insurance via JA Kyosai mutual aid, and welfare/lifestyle services including five day care centers, nursing and helper stations, JA 葬祭 funeral services, travel services, an automobile center, and JA-SS / LP gas. The cooperative maintains a multi-branch physical footprint across Anjo, Kariya, Hekinan, Takatsuki, and Chiryu, and runs regional branding programs such as 碧海そだち (Hekikai Sodachi).

Revenue is generated across subscription/recurring streams (banking interest and fees, insurance premiums, welfare fees), transactional streams (commissions on direct agricultural product sales and agricultural inputs), and fees from travel, automotive, and gas services. Go-to-market is sales-led, relying on in-person branch consultations, member events, and community publications (ACT and WAO newsletters), supplemented by a standard social media presence (Facebook, Instagram, X, YouTube). Headcount is reported as 1001-5000, and specific revenue figures are not publicly disclosed despite the cooperative publishing formal disclosure materials.

Name

JA Aichi Chuo

Legal name

あいち中央農業協同組合

Website

https://jaac.or.jp

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Agricultural Cooperative Banking & Insurance Services

NAICS

Farm Supplies Merchant Wholesalers (42491), Fresh Fruit and Vegetable Merchant Wholesalers (42448), Sales Financing (52222)

SIC

Accident & Health Insurance (6321), Loan Brokers (6163), Personal Credit Institutions (6141), Wholesale-Groceries, General Line (5141)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

akta.pro secondary industries

Group Universal Life (GUL) (FSAIADAC), NPK/Compound & Blended Fertilizers (Granular Blends, Bulk Blending) (AFABABAD)

Keywords

• Agricultural cooperative
• Cooperative banking
• Mutual aid insurance
• Agricultural lending
• Elder care services

Headquarters

HQ city

Anjo

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Services (Banking): Interest income from agricultural loans, housing loans, and other credit products. Fee income from transaction services, ATM operations, and net banking services.
2. JA共済 (Insurance): Insurance premiums from life, property, and casualty insurance products tailored for agricultural communities and families.
3. Agricultural Products Sales: Revenue from direct sales of agricultural products through JA direct sales stores (産直). Commissions from agricultural supplies and inputs.
4. Welfare and Care Services: Fees from daycare, nursing care, and elderly welfare services including day care centers in multiple locations.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

JA Aichi Chuo is a regional Japanese agricultural cooperative that provides integrated banking (JA Bank), mutual aid insurance (JA共済), agricultural production support, direct farm product sales, nursing care and welfare services, funeral services, travel, automobile, and LP gas services to its farmer members and local residents in Aichi Prefecture. Revenue is generated through interest on loans, insurance premiums, welfare fees, and commissions on agricultural supplies and direct sales of produce.

Product overview

JA Aichi Chuo (JAあいち中央農業協同組合) is a comprehensive agricultural cooperative offering a diverse portfolio of services organized into four main divisions: Food and Agriculture (食と農), Daily Life (くらし), JA Bank/JA Kyosai (JAバンク・JA共済), and Events/Activities (イベント・活動報告). The core agricultural services include direct sales stores (JA農産物直売所), the regional brand '碧海そだち', and the parent-child farming school 'あおみっ子'. Financial services span banking through JA Bank with savings, loans (including agricultural-specific products like アグリマイティー資金), and online banking (JAネットバンク), plus mutual aid insurance (JA共済). Daily life services include nursing care and welfare (介護・福祉事業) with multiple day care centers, funeral services (JA葬祭), travel services, automobile services, and gas/LP services. The cooperative also publishes PR magazines ACT and WAO. Rather than a single software product, JA Aichi Chuo provides an integrated ecosystem of agricultural, financial, insurance, welfare, and lifestyle services to its member farmers and local community in Aichi Prefecture.

Differentiator

Problem solved

Functional benefit

Brands

• 碧海そだち: A local agricultural brand/product line featuring regional agricultural products from the Hekikai area, promoted as part of JAあいち中央's efforts to showcase and sell local produce.
• あおみっ子
• JA葬祭

Products and services

• JA Bank banking services (savings, loans, asset management)
• JAネットバンク (JA Net Bank) online banking
• アグリマイティー資金 (Agricultural loan)

Named customers2 records

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• JA Bank (JAバンク)coreOthers · 22 June 2026JA Bank system partner providing banking services. JA Bank app, JA net bank, and related financial services are part of the nationwide JA Bank network.
• JA Kyosai (JA共済)coreOthers · 22 June 2026JA Kyosai insurance system partner providing life and property insurance services as part of the nationwide JA Kyosai mutual aid system.
• 碧海そだち (Hekimi Sodachi)minorOthersBrand/certification program for agricultural products from the Hekimi region. JA Aichi Chuo supports and promotes this regional agricultural brand.
• JA Group (JAグループ)coreOthersPart of the nationwide JA (Japan Agricultural Cooperatives) Group network which provides shared services, standards, and mutual support among regional JAs.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Rabobank: Large Dutch cooperative bank with deep agricultural finance roots and worldwide Food & Agri practice. Broad incumbent comparable to JA in combining member-owned cooperative structure with global agricultural banking.
• Farm Credit System (FCS): US nationwide network of cooperative agricultural lenders. Comparable institutional peer: member-owned, providing farm credit, crop insurance and rural finance across multiple regional cooperatives — same conceptual model as the JA Group.
• JAバンク (JA Bank System): National JA banking brand and technology platform of which JA Aichi Chuo is a member outlet. Overlap is total on banking services, but at nationwide scale and not a single cooperative competitor.
• JA全農 (Zen-Noh): National federation of Japan's agricultural cooperatives, supplying inputs, marketing produce, and supporting JAs nationwide. Directly comparable to JA Aichi Chuo as the apex of the same cooperative system, operating on a national scale.

Regional players

• 碧海信用金庫 (Hekikai Shinkin Bank): Local Aichi credit union operating in the same Hekikai region. Overlaps with JA Aichi Chuo on deposit-taking, housing loans and small-business banking for SMBs and households.
• 株式会社十六銀行 (Juroku Bank): Major Aichi/Gifu regional bank. Competes with JA Aichi Chuo's JA Bank for agricultural, housing and consumer deposits and loans across the same Aichi customer base.

Direct peers

• こくみん共済 coop (Kokumin Kyosai): Large Japanese mutual-aid insurance cooperative. Direct peer to JA Aichi Chuo's JA共済 insurance products (life, property, auto), competing on cooperative/mutual insurance in Japanese households.
• JA愛知信連 (Aichi Prefecture Credit Federation of Agricultural Co-ops): Prefectural-level JA banking federation serving Aichi. Direct institutional peer: JA Aichi Chuo's JA Bank deposits flow through this federation, and it shares governance, branding and lending standards.
• JAひょうご (JA Hyogo): Another regional comprehensive JA agricultural cooperative in Hyogo Prefecture offering the same integrated banking, insurance, retail, welfare and agricultural services portfolio. Most directly comparable peer in business model and scale.
• JAタウン (JA Town / Zen-Noh Direct): National e-commerce platform operated by JA全農 aggregating 産直 produce from regional JAs including Aichi-area cooperatives. Direct competitor and distribution channel for JA Aichi Chuo's direct-sales produce.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/ja_aichi_chuo
• YouTubeyoutube.com/channel/UCgAA508744gaQP69qAV0rPQ/videos
• Facebookfacebook.com/ja.aichichuo
• Instagraminstagram.com/ja_aichichuo

Revenue estimate

Valuation estimate

Number of profiles

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 JA Aichi Chuo