JA Yokohama

What JA Yokohama does

JA Yokohama (JA横浜 / 横浜農業協同組合) is a member-owned agricultural cooperative registered as a financial institution with the Kanto Finance Bureau (No. 595, financial institution code 5114) and headquartered in Yokohama, Japan. Operating 50 branches across Yokohama city — Japan's largest municipality by population — JA Yokohama serves as the local franchise of the nationwide JA Group, delivering a combined portfolio of banking (JA Bank), mutual aid insurance (JA Kyosai), and agricultural support services. Its core product suite includes savings accounts (JA Savings), comprehensive accounts with automatic loan features, JA Net Bank internet banking, debit cards, pension auto-receipt, salary transfer, and loan products; the agricultural side includes 13 dedicated agricultural instructors (営農カウンセラー), agricultural machinery rental, farming consultations, subsidy navigation, and wild animal damage prevention services.

JA Yokohama generates revenue through multiple streams: net interest income from deposits and loans under the JA Bank umbrella, commission-based distribution of JA Kyosai insurance products, transaction-based sales through its Hamakko (ハマッ子) direct-sale farm stores and Mercato online platform, usage-based agricultural machinery rental, and professional-service fees for agricultural consulting. Its go-to-market is hybrid and high-touch: a dedicated field-sales model in which each sales representative is assigned a vehicle and conducts 得意先係 (account-representative) visits to member farms and households, supplemented by branch window service (窓口), community events, and digital channels including JA Net Bank, the JA Yokohama app, Instagram, and YouTube. The cooperative also runs newer initiatives such as Smart Mercato e-commerce, the Yarujan Yokohama Harvest Experience Park (agritourism booking platform), a cooking salon, and a sports sponsorship with Nittai University SMG Yokohama — all aimed at deepening engagement with urban consumers and reinforcing the multi-product member ecosystem.

Name

JA Yokohama

Legal name

横浜農業協同組合

Website

https://ja-yokohama.or.jp

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

JA Yokohama is a member-owned agricultural cooperative in Yokohama, Japan, operating 50 branches that deliver JA Bank financial services, JA Kyosai insurance, agricultural consulting, machinery rental, and Hamakko direct-sale farm stores to farmers, members, and urban consumers.

Ownership category

akta.pro rank

Product category

Agricultural Cooperative Banking and Farm Services

NAICS

Farm Supplies Merchant Wholesalers (42491)

SIC

Agricultural Services (700)

akta.pro primary industry

Farmer Cooperatives & Co-op Retail (AFABAJAB)

akta.pro secondary industry

Farm Hardware, Parts & Consumables Retail (Tools, PPE, Repair) (AFABAJAM)

Keywords

• Agricultural cooperative
• Cooperative banking
• Mutual aid insurance
• Farm product retail
• Agricultural support services

Headquarters

HQ city

Yokohama

HQ country

Japan

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Agricultural Product Sales: Revenue from selling agricultural products through direct-sale stores (ハマッ子), Mercato Kanagawa store, and farmers' markets. Includes vegetables, fruits, and local specialty products.
2. Banking & Financial Services: Interest income from loans, service fees for savings accounts, transfer fees, and ATM transaction fees. JA Bank financial services including deposits, loans, and investment products.
3. Insurance (JA共済): JA Kyosai mutual aid and insurance products providing life insurance, medical insurance, and other coverage to members.
4. Agricultural Machinery Rental: Rental of agricultural machinery to JA members for farming operations.
5. Agricultural Support Services: Agricultural consulting, instructor services, and farming support for member farmers including farm management assistance.

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels6 records

Core offering

JA Yokohama is an agricultural cooperative delivering integrated financial services (JA Bank deposits, loans, internet banking, debit cards, pension auto-receipt), JA Kyosai mutual aid insurance, and a full agricultural support stack including Hamakko direct-sale farm product stores, Mercato online produce ordering, Yarujan Yokohama Harvest Experience Park booking service, agricultural machinery rental, and on-site consulting from 13 dedicated agricultural instructors serving 50 branches across Yokohama city.

Product overview

JA Yokohama is an agricultural cooperative offering a comprehensive suite of financial services and agricultural support products. The core offerings include JA Savings (savings deposits, time deposits, comprehensive accounts), JA Net Bank (internet banking), pension services, debit cards, and loan products. Agricultural support is delivered through the Hamakko direct sales brand with multiple store locations, the Mercato online ordering system, the Yarujan harvest experience service, agricultural instructors, machinery rental, and the TRY COOKING recipe platform. The cooperative operates a three-tier preferential program for banking services and provides weather disaster preparedness support. The organization has expressed commitment to digital transformation (DX) initiatives.

Differentiator

Problem solved

Functional benefit

Brands

• ハマッ子: JA Yokohama's direct sales store brand for selling locally produced agricultural products in Yokohama.
• JAバンク
• JA共済

Products and services

• JA Savings (JA貯金) Comprehensive savings and deposit services for cooperative members and customers, including regular savings, time deposits, and comprehensive accounts (総合口座) that combine multiple account types with an automatic loan feature (up to 90% of fixed deposits, max 3 million yen).
• JA Net Bank (JAネットバンク) Internet banking platform enabling balance inquiries, transfers, tax payments, and pay-easy services via computers and smartphones. Free basic service with discounted transfer fees for eligible members.
• Pension Automatic Receipt (年金自動受取り) Automatic pension receiving service that deposits national pension, employees' pension, agricultural mutual aid pension, and other public pensions directly into the member's JA savings account. Special preferential time deposit rates available for recipients.
• Debit Card (デビットカード) Debit card service allowing instant deduction of purchases from the member's JA savings account balance at stores equipped with card reader terminals. Debit card transaction regulations were updated in June 2026.
• Salary Transfer (給与振込) Salary deposit service that automatically transfers employer salary payments into the member's JA savings account, qualifying the account holder for preferential fee structures under the JA Bank Preferential Program.
• JA Bank Preferential Program (JAバンク優遇プログラム) Three-tier preferential program offering reduced ATM fees and free bank transfers based on customer transaction volume and membership status, including pension receipt and salary deposit criteria.
• JA Loans (JAローン) Loan products including mortgage consultations, JA Net Loan online applications, and various consumer and agricultural financing options available to cooperative members.
• ATM Services ATM services available 8:00-21:00 daily at branches across Yokohama, supporting cash deposits, withdrawals, and balance inquiries with various card types including partner bank cards.
• Hamakko Direct Sales (ハマッ子) JA Yokohama's direct sales store brand selling safe, fresh agricultural products harvested in Yokohama City. Includes multiple storefront locations such as 四季菜館 and an online inventory lookup for seasonal produce availability.
• Mercato (メルカート) Online sales service for agricultural products operated through Mercato Kanagawa, offering delivery and pickup of fresh local produce via the Smart Mercato online ordering system at designated locations.
• Agricultural Machinery Rental (農業機械貸出) Rental service for agricultural machinery available to JA Yokohama members and their families, supporting farming operations through usage-based access to equipment.
• Yarujan Yokohama Harvest Experience Park (やるじゃん横浜収穫体験パーク) Harvest experience booking platform connecting users with farms in Yokohama for picking experiences, offering searchable inventory and one-stop booking and payment for seasonal agritourism activities.
• JA Kyosai Mutual Aid Insurance (JA共済) JA Kyosai mutual aid and insurance products distributed by JA Yokohama, providing life insurance, medical insurance, building endowment insurance, and other coverage to cooperative members as part of the JA Kyosai nationwide network.

Quantifiable outcome

• Agricultural instructors visit farms and fields to provide direct farming support
• +1 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered flagship and core.

• 日体大SMG横浜 (Nittai University SMG Yokohama)flagshipStrategic or Co-development Partner · 12 September 2026Partnership for 'Regional Co-creation Match Day' (地域共創マッチデー). JA Yokohama sponsors the women's soccer team 日体大SMG Yokohama in the Plenus Nadeshiko League 1. JA Yokohama aims to build a new regional model with sports promotion, activate local community through mutual aid and cooperation, and achieve sustainable regional community development. Free tickets offered to Yokohama residents for the match on September 12, 2026 at Nipponetta Mitsuzawa Stadium.
• JA Bank (JAバンク)coreTechnology or IntegrationJA Yokohama is part of the nationwide JA Bank system, using shared banking infrastructure including JA Net Bank, ATM networks, and JA Bank app. JA Bank provides the banking platform while JA Yokohama serves as the local member institution.
• JA共済 (JA Kyosai)coreTechnology or IntegrationJA Yokohama distributes JA Kyosai mutual aid and insurance products as a JA Kyosai agent, providing life insurance, medical insurance, and other coverage to members.
• JA神奈川 (JA Kanagawa)coreChannel Partner/ Reseller/ DistributorJA Yokohama is part of the Kanagawa Prefecture JA group network, collaborating with JA Kanagawa on pension consultation services and regional agricultural support programs.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• JA Zenchu (JA全中 / National JA Council): The national coordinating body for agricultural cooperatives in Japan. Comparable as a peer JA-system institution that sets strategy, advocacy, and policy direction for local JAs including JA Yokohama.
• JA Bank (JAバンク): The nationwide JA banking network of which JA Yokohama is a member institution. Comparable because JA Bank defines JA Yokohama's banking product set, technology stack, and member-facing digital channels (JA Net Bank, JA app).
• MUFG Bank: Japan's largest megabank with extensive Yokohama retail presence. Comparable as a competing urban retail banking and insurance provider that targets the same households and pensioners as JA Yokohama.
• JA Kyosai (JA共済): The nationwide mutual aid and insurance arm of JA Group. JA Yokohama distributes JA Kyosai products; highly comparable as the upstream insurance provider and brand that JA Yokohama localizes to members.
• JA Group (JAグループ): The national federation of Japanese agricultural cooperatives. JA Yokohama sits under this umbrella; comparable as the parent brand and shared services platform across all JA cooperatives.
• JA Zen-Noh (JA全農 / Zennoh): The national JA marketing and supply federation that operates the Mercato online ordering and produce distribution platform used by JA Yokohama. Directly comparable as the upstream wholesale/marketing partner for Hamakko and Mercato channels.
• JA Kanagawa Prefecture (JA神奈川): The prefecture-level agricultural cooperative federation covering all of Kanagawa; JA Yokohama is itself a member. Highly comparable as a peer JA organization providing banking, insurance, and agricultural support services across overlapping member institutions in the same geography.

Direct peers

• Bank of Yokohama (横浜銀行): A major regional bank headquartered in Yokohama competing for the same urban retail deposits, loans, and pension/asset management business as JA Yokohama's banking arm. Direct competitor in the same Yokohama geography.
• Aeon TopValu / Aeon Agricultural Direct: Large Japanese retailer running its own direct-from-farm produce programs and private-label agricultural offerings. Comparable as a competitor for urban consumers' fresh-produce wallet in Yokohama, particularly against Hamakko direct-sale stores.

Emerging players

• Rakuten Bank: A fast-growing digital-native Japanese bank with strong consumer brand and competitive deposit/transfer pricing. Comparable as an emerging competitor disintermediating urban banking customers and pressing JA Yokohama's deposit/transaction economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCHSZet5j-gxfQD2H6t7I8Bg
• Instagraminstagram.com/ja_yokohama

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 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 JA Yokohama