Alianza Apaseo

What Alianza Apaseo does

Alianza Apaseo (legal name: Caja Popular Apaseo el Alto S.C. de A.P. de R.L. de C.V., DBA 'ALIANZA') is a Mexican savings and credit cooperative founded on June 27, 1965, headquartered in Apaseo el Alto, Guanajuato. The cooperative operates 54 service offices across five Mexican states — Guanajuato, Hidalgo, Estado de México, Morelos, and Querétaro — serving 109,600+ members (socios) who are simultaneously its customers, partial owners via share certificates, and governance participants through annual General Assemblies. Since March 2007 it has been supervised and authorized by Mexico's National Banking and Securities Commission (CNBV), and member deposits are guaranteed up to 25,000 UDIS by the Fondo de Protección al Ahorro Cooperativo.

The product portfolio is organized around savings (captación) and credit (colocación). Savings offerings include ordinary savings, minor savings, demand deposits, debit-card-linked deposits, fixed-term investments (Inversión a 7 días at 3.28%-3.48% annual, GAT nominal 3.33%-3.54%), and the Tanda Fácil cooperative savings-lottery program. Credit offerings span CrediAlianza A la mano personal loans at tiered rates (14.28% for 'Socio Puntual' members, 19.20% for members with cooperative credit history, 24.00% for new members; CAT 15.3%-26.8%) and CrediAlianza Agropecuario agricultural loans at 17.50%-19.20% (CAT 17.7%-19.5%). Member-facing technology consists of the Alianza Móvil iOS/Android mobile banking app, the Alianza Token 2FA security application, SPEI integration with Banco de México for interbank transfers, and a dedicated credit application web portal.

The revenue model is dominated by net interest spread on the deposit-loan book, supplemented by transactional and service fees. All savings products carry no commissions, while credit products are likewise structured without commissions but with materially higher annualized rates than deposit yields, generating the cooperative's primary economic engine. Go-to-market is sales-led via the physical branch network supplemented by self-service mobile banking; growth is community-driven through member referrals and a 58-year local presence. As a cooperative, the institution is privately held by its members, is not venture- or PE-backed, and is not listed on any exchange.

Name

Alianza Apaseo

Legal name

Caja Popular Apaseo el Alto S.C. de A.P. de R.L. de C.V.

Website

https://cpapaseo.com.mx

Company type

Private

Founded year

1965

Operating status

Operating

Short description

Alianza Apaseo (Caja Popular Apaseo el Alto) is a Mexican member-owned savings and credit cooperative operating 54 branches across five central-Mexico states, serving 109,600+ members with deposit products, personal and agricultural loans, and mobile banking under CNBV supervision since 2007.

Ownership category

akta.pro rank

Headquarters

HQ city

Guanajuato

HQ country

Mexico

HQ region

Latin America

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income on Loans: Primary revenue from interest charged on credit products including CrediAlianza personal loans (14.28%-24.00% annual rates), agricultural loans (17.50%-19.20%), with CAT ranging from 15.3% to 26.8%.
2. Savings Deposits: Accepts savings deposits including ordinary savings, minor savings accounts, demand deposits, fixed-term investments (7-day to 12-month terms), and cooperative tanda (savings groups). Interest paid to depositors ranging from 3.28% to 3.48% annual on short-term investments.
3. Transactional and Service Fees: Mobile banking services provided free of commission. Various service fees as disclosed in cost and commission tables. Revenue from payment services for third-party utilities and services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Alianza Apaseo (Caja Popular Apaseo el Alto) is a member-owned savings and credit cooperative offering savings accounts (demand deposits, 7-day investments, minor savings, fixed-term deposits), personal loans (CrediAlianza A la mano), agricultural credit (CrediAlianza Agropecuario), debit cards, and the Tanda Fácil cooperative savings-lottery program. Services are delivered through 54 branches across five central Mexican states and complemented by a mobile banking application (Alianza Móvil Apaseo) and dedicated credit application portal. Deposits are protected up to 25,000 UDIS by the Fondo de Protección al Ahorro Cooperativo, and the cooperative is supervised by the CNBV.

Product overview

Alianza Apaseo (Caja Popular Apaseo el Alto) operates as a Savings and Credit Cooperative (Sociedad Cooperativa de Ahorro, Préstamos y Servicios Financieros) with 58 years of service. The company offers a unified portfolio of financial products centered around savings (captación) and credit (crédito) services. The savings portfolio includes demand deposits, time deposits (Inversión a 7 días), minor's savings, and the Tanda Fácil savings-lottery program. Credit offerings feature the CrediAlianza product line, including CrediAlianza A la mano (personal credit with tiered rates based on credit history) and CrediAlianza Agropecuario (agricultural credit for avío and working capital). All products are complemented by the digital channel through Alianza Móvil Apaseo (mobile banking app) and its required security token (Alianza Token Apaseo). Products are guaranteed up to 25,000 UDIS by the Fondo de Protección al Ahorro Cooperativo.

Differentiator

Problem solved

Functional benefit

Brands

• Alianza Móvil: Mobile banking application for iOS and Android allowing account balance queries, transfers, SPEI payments, and other financial services.
• Alianza Token
• CrediAlianza
• Tanda Fácil

Products and services

• Inversión a 7 días Short-term savings/investment product with 7-day maturity periods, available from $500 to $300,000 MXN across tiered ranges. Fixed annual interest rates from 3.28% to 3.48% depending on the investment amount; GAT nominal 3.33% to 3.54%. No commissions. Protected by the cooperative savings protection fund.
• CrediAlianza A la mano Personal credit product for cooperative members with tiered interest rates based on credit history: 24.00% for members without credit history, 19.20% for those with credit history, and 14.28% for members with 'Socio Puntual' (punctual member) status. CAT from 15.3% to 26.8%. No commissions.
• CrediAlianza Agropecuario Avío y/o Capital de Trabajo Agricultural credit product for avío (crop input financing) and working capital purposes. Interest rate of 19.20% without agricultural insurance, or 17.50% for members participating in the 'Cosechando Soberanía' program. CAT from 17.7% to 19.5%.
• Alianza Móvil Apaseo Mobile banking application for iOS and Android enabling members to perform account balance inquiries, fund transfers between own accounts, transfers to other cooperative members, SPEI interbank transfers, third-party service payments, and locate branches/ATMs via geolocation. Available 24/7.
• Ahorro ordinario Regular savings account product covered by the cooperative savings protection fund up to 25,000 UDIS.
• Ahorro de menores Savings account for minors, covered by the cooperative savings protection fund up to 25,000 UDIS.
• Depósito a la vista Demand deposit account with no fixed term, covered by the cooperative savings protection fund up to 25,000 UDIS.
• Depósito a la vista con tarjeta de débito Demand deposit account paired with a debit card, covered by the cooperative savings protection fund up to 25,000 UDIS.
• Plazo fijo (Inversión) Fixed-term investment product, covered by the cooperative savings protection fund up to 25,000 UDIS.
• Tanda Fácil Cooperative savings-lottery program where members make regular monthly deposits and become eligible for promotional prizes and raffles (items, trips, devices such as Alexa and PlayStation 5).
• Alianza Token Apaseo Two-factor authentication (2FA) mobile token application required for secure access to the Alianza Móvil Apaseo mobile banking service. Downloaded from Google Play or Apple App Store.

Quantifiable outcome

• Over 109,600 members served across 54 offices in 5 Mexican states
• +2 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature1 record

Partnerships

Four partnerships are on record, tiered core.

• CNBV (Comisión Nacional Bancaria y Valores)coreOthers · 1 January 2007Regulatory authorization and supervision by Mexico's National Banking and Securities Commission since March 2007, enabling authorized savings and credit operations with enhanced member trust and security.
• Fondo de Protección al Ahorro CooperativocoreOthersDeposit insurance fund protecting savings products up to 25,000 UDIS, providing government-backed guarantee for member deposits.
• CONDUSEF (Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros)coreOthersConsumer protection agency providing regulatory oversight and dispute resolution for financial services users, with published bureau of financial entities.
• Banco de México (SPEI System)coreTechnology or IntegrationIntegration with Banco de México's SPEI electronic interbank transfer system enabling members to send and receive transfers between any Mexican bank accounts.

Scale indicators3 records

Recent moves10 records

Expansion highlights4 records

Direct peers

• Covalto: Mexican digital bank (formerly Consubanco) offering credit, payments, and deposits targeted at SMEs and individuals. Comparable to Alianza Apaseo in offering both credit and deposit products to Mexican consumers, although with a heavier SME orientation.
• Nu México: Mexican digital bank offering credit cards, personal loans, deposits, and transfers via a mobile app. Comparable to Alianza Apaseo in serving mass-market Mexican consumers with credit and savings, but competing via digital-first channels rather than cooperative branches.
• Hey Banco: Mexican digital bank owned by Banregio, providing credit cards, deposits, and personal loans via mobile app. Comparable to Alianza Apaseo in serving broad Mexican consumers with savings and credit, although serving via digital channels rather than a cooperative branch network.
• Klar: Mexican consumer digital bank providing credit, debit, and savings on a mobile-first platform. Comparable to Alianza Apaseo in its mass-market deposit and credit offering, although Klar serves urban users and bypasses the cooperative branch model.
• Albo: Mexican neobank providing personal credit, deposits, and Mastercard debit products targeted at underserved consumers. Comparable to Alianza Apaseo in serving underbanked Mexican customers with credit and savings, but with a digital-only distribution.
• Compartamos Banco: Mexican microfinance institution (part of Gentera) serving lower-income and rural segments with personal credit and savings products. Highly comparable to Alianza Apaseo in target customer, retail branch model, and credit-led model, though larger and publicly listed.
• Caja Popular Morelia: Mexican cooperative savings and credit institution (Caja Popular) serving members in Michoacán with deposit and credit products. Comparable to Alianza Apaseo as a sister cooperative under the same CNBV-supervised framework, with similar member-owned model and product set, but operating in a different state.

Emerging players

• Mercado Pago: Latin American digital wallet and consumer credit platform from Mercado Libre, with a growing Mexican presence in payments, deposits, and small credit. Comparable to Alianza Apaseo as a competing consumer financial interface for underserved segments, but operating primarily through e-commerce and digital rails.

Broad incumbents

• Banco Azteca: Large Mexican commercial bank within Grupo Salinas, serving mass-market and informal-sector customers with credit, savings, and remittances through a national branch network. Comparable to Alianza Apaseo in target demographic and distribution philosophy, but with broader product scope and far larger scale.
• BanCoppel: Mexican commercial bank affiliated with Coppel retail, serving mass-market consumers with savings, credit, and payroll products via a national branch network. Comparable to Alianza Apaseo in target segment and physical distribution model, but at substantially larger scale.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php?id=100010008285000&mibextid=ZbWKwL
• Instagraminstagram.com/alianzaapaseo?igsh=MzBoMWlxOXNoendv

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

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 Alianza Apaseo