Unifam

What Unifam does

Unifam (legal name: CAJA DE AHORROS UNIFAM S.C. DE A.P. DE R.L. DE C.V.) is a Mexican savings and loan cooperative (Sociedad Cooperativa de Ahorro y Préstamo, or SOCAP) headquartered in Guadalajara, Jalisco, serving over 10,000 individual members across the Guadalajara metropolitan area and Atotonilco el Alto. Founded in 1972 as Caja Popular Miguel Agustín Pro and reorganized into its current form in 2012, the institution has been authorized and supervised by the Comisión Nacional Bancaria y de Valores (CNBV) since 2013. Unifam operates as a mutual cooperative: its member-socios are simultaneously owners and customers, with no external shareholders or institutional investors.

The institution's product portfolio centers on three pillars: savings accounts (Ahorro Infantil, Ahorro Ordinario, and Cuenta Corriente with no commissions and ~1.30% annual interest), a diversified suite of credit products spanning personal loans, vehicle financing (Crediauto up to $750,000 MXN), agricultural microcredit, educational loans, and seasonal lending, plus a mandatory life protection insurance product administered through Thona Seguros covering up to $500,000 MXN per member. Technology infrastructure consists of the Bankingly-powered online banking portal and UNIFAM Digital mobile application for account inquiries, transfers, and credit operations, complemented by a physical distribution network of 12 branches.

Unifam's revenue model derives from net interest spread between member deposits (~1.30% annual) and lending rates ranging from 10.20% to 31% annually depending on product, supplemented by $360 MXN annual insurance premiums. The go-to-market is primarily sales-led through physical branch onboarding, though digital self-service options have been added. Member deposits are protected by the Fondo de Protección for cooperatives up to 25,000 UDIs (~$220,971 MXN), providing a regulated trust advantage over informal lenders competing for similar working-class and rural segments in Jalisco.

Name

Unifam

Legal name

CAJA DE AHORROS UNIFAM S.C. DE A.P. DE R.L. DE C.V.

Website

https://unifam.mx

Company type

Private

Founded year

1972

Operating status

Operating

Headcount range

11–50 employees

Short description

Unifam is a Mexican cooperative savings and loan institution (SOCAP) regulated by CNBV, serving over 10,000 individual members across 12 branches in the Guadalajara metropolitan area and Atotonilco el Alto with savings accounts, diversified credit products, and life insurance.

Ownership category

akta.pro rank

Product category

Cooperative Savings and Credit (SOCAP)

NAICS

Credit Unions (52213)

SIC

Savings Institutions, Not Federally Chartered (6036), Personal Credit Institutions (6141)

akta.pro industry

PRIMARYFSAKAAAG

Large Purchase & Lifestyle Personal Loans (Unsecured Installment)

Financial & Insurance/Lending & Consumer Finance/Personal Loans (Unsecured Installment)

SECONDARYFSABAFAJ

Underbanked/Financial Inclusion Neobanks

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Digital/Challenger Banks (Neobanks)

Keywords

• Cooperative savings accounts
• Credit union lending
• Vehicle financing
• Agricultural microcredit
• Life protection insurance

Headquarters

HQ city

Guadalajara

HQ country

Mexico

HQ region

Latin America

Offices11 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Interest Income: Interest income from various loan products including ordinary credits, automatic credits, vehicle loans (Crediauto), agricultural loans (Microcredito del Campo), educational loans, rapid credits, and seasonal credits. Interest rates range from approximately 10% to 31% annually depending on product type and amount.
2. Savings Deposits: Members deposit savings into various accounts (ordinary, children's savings, current accounts) that earn interest. Interest rates offered are approximately 1.30% annually for regular savings accounts. These deposits form the lending pool for credit operations.
3. Protection Insurance Premiums: Annual mandatory insurance premium of $360 MXN per member. Provides life protection up to $500,000 MXN covering savings duplication and credit balance settlement upon member's death. Administered through Thona Seguros SA de CV.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

UNIFAM is a regulated cooperative savings and loan institution (SOCAP) that collects member savings and lends them back to its 10,000+ socios through a diversified credit portfolio. Its core offerings include savings products (Ahorro Ordinario, Ahorro Infantil, Cuenta Corriente), personal, vehicle, agricultural, educational, and seasonal credit lines, mandatory life protection insurance that doubles savings and settles outstanding loans upon death, and digital banking via the UNIFAM Digital app and Bankingly online platform, all delivered through 12 branches and CNBV-authorized operations in Jalisco.

Product overview

Unifam is a savings and loan cooperative (Sociedad Cooperativa de Ahorro y Préstamo) offering a unified portfolio of financial products centered around savings accounts and diverse credit offerings. The core product family includes savings products (Ahorro Infantil, Ahorro Ordinario, Cuenta Corriente), a comprehensive credit suite (Crédito Automático, Crédito Ordinario, Crédito Rapidin 1-2-3, Crédito 30-30, Crédito Escolar, Crédito Fácil de 10, Crédito Navideño, Microcrédito del Campo, Crediauto), and the Seguro de Protección al Ahorro life insurance. Digital access is provided through UNIFAM Digital (Bankingly-powered platform) for online account management, while physical service is delivered through 11 branch locations in the Guadalajara metropolitan area and Atotonilco el Alto.

Differentiator

Problem solved

Functional benefit

Products and services

• Ahorro (Savings Products — Ahorro Infantil and Ahorro Ordinario) Member savings deposit accounts including Ahorro Infantil (Children's Savings at 1.30% annual rate) and Ahorro Ordinario (Regular Savings), providing secure deposit services with interest earnings, no commissions, and Fondo de Protección coverage, for individual adult members and minor savers (Ahorrador Menor) of the cooperative.
• Cuenta Corriente Transactional checking account for cooperative members with 0.00% annual interest and no commissions, supporting day-to-day transactions and digital banking operations.
• Crédito Automático Credit line tied to a member's ordinary savings balance, offering up to 100% of ordinary savings as credit from $1,000 MXN up to the savings amount, with terms of 24 to 90 months and interest rates from 10.20% to 12.96% annually (100% reciprocity in savings account, no aval required).
• Crédito Ordinario General-purpose unsecured personal credit for members ranging from $3,000 to $1,500,000 MXN with terms up to 96 months, interest rates from 22.92% to 24.84% annually, and a 10–30% savings reciprocity requirement. Available in sub-products targeting instant cash, debt consolidation, business use, and collateralized variants.
• Crédito Rapidin 1, 2, 3 Fast-approval credit for members with established cooperative savings history and good credit behavior, offering $50,000 to $120,000 MXN over 60-month terms with annual rates from 20.52% to 22.80%.
• Crédito 30-30 Fixed-installment credit product providing $30,000 MXN payable over 30 months at a 21.60% annual interest rate (23.9% CAT), available to members with or without a guarantor.
• Crédito Escolar Education financing for the member, spouse, direct family, nephews, or grandchildren, covering basic education through postgraduate studies with amounts from $2,000 to $30,000 MXN, available seasonally from July–September and December–February.
• Crédito Fácil de 10 Weekly-installment credit product of $10,000 MXN over a 52-week term at a 21.60% annual interest rate, requiring 20% reciprocity and one guarantor, with fixed weekly payments.
• Crédito Navideño Seasonal personal credit product available from December 1 to January 30, providing $10,000 to $60,000 MXN over 30-month terms at a 21.00% annual rate (53.7% CAT) to finance end-of-year and back-to-school expenses.
• Microcrédito del Campo Agricultural and livestock credit for farmers and ranchers ranging from $5,000 to $140,000 MXN for farming activities including crops and cattle production, with 7 to 9 month terms at a 19.92% annual interest rate (29.1% CAT), requiring 10% reciprocity and one guarantor.
• Crediauto (Vehicle Financing) Vehicle financing covering up to 100% of vehicle value, with new vehicles up to $750,000 MXN at 14.04% annual rate over 72 months and certified pre-owned vehicles up to $350,000 MXN over 60 months at 14.04% annual rate.
• Seguro de Protección al Ahorro Mandatory annual life and savings protection insurance for every cooperative member, with $360 MXN annual premium, providing up to $500,000 MXN in coverage that duplicates member savings for beneficiaries and settles outstanding loan balances upon the member's death, administered through Thona Seguros SA de CV.
• UNIFAM Digital (Banca Electrónica) Digital banking platform enabling members to view balances and transactions, download statements, make credit payments between own accounts, and transfer funds to third-party UNIFAM accounts via mobile app and web portal (Bankingly); registration requires an in-person visit to a branch with official identification.

Quantifiable outcome

• Life protection coverage up to $500,000 MXN for beneficiaries
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Thona Seguros SA de CVcoreTechnology or IntegrationInsurance provider administering the mandatory life protection insurance product (Seguro de Proteccion al Ahorro) for UNIFAM members. Provides coverage up to $500,000 MXN for savings duplication and credit settlement upon member's death.

Scale indicators3 records

Recent moves8 records

Expansion highlights4 records

Broad incumbents

• Banco Azteca: High-footprint Mexican retail bank focused on underbanked and informal-economy consumers. Competes with UNIFAM for mass-market deposits, consumer credit, and remittances, especially in the Guadalajara retail-banking segment.
• Compartamos Banco: Largest Mexican microfinance bank, regulated by CNBV, serving underbanked and small-business borrowers with personal credit and group lending. Competes with UNIFAM for the same financial-inclusion segment but at substantially greater scale and with full banking licenses.
• Consubanco: Mexican consumer and SME lender with a multi-branch network across the country. Competes with UNIFAM on personal credit, payroll loans, and vehicle financing, particularly for working-class salaried members.

Direct peers

• Libertad Servicios Financieros: Mexican cooperative-turned-financial-services firm (originally Caja Libertad) offering savings, credit, and insurance products to retail members. Similar SOCAP heritage, multi-branch network, and bundled insurance-plus-credit value proposition.
• Caja Popular San Nicolás: Long-established Mexican savings and loan cooperative serving working-class members in the Bajío region. Comparable cooperative governance, deposit-protection setup, and broad personal credit offering across vehicle, education, and small-business use cases.
• Caja Morelia Valladolid: Mexican SOCAP (Sociedad Cooperativa de Ahorro y Préstamo) operating across Michoacán with a similar diversified savings, personal credit, and cooperative-protection product model. Comparable in regulatory posture (CNBV-authorized), member-owned structure, and reliance on physical branches plus a digital layer.

Others

• FOCOOP: Mexican cooperative federation providing oversight, audit, and capacity-building services to SOCAPs. Functions as a peer institution within UNIFAM's cooperative ecosystem and is publicly linked from UNIFAM's own website.

Emerging players

• Kueski: Mexican fintech providing online consumer credit and BNPL to underbanked users. Represents the digital-native competitive threat to UNIFAM's personal-loan business, particularly for younger members who prefer fully digital onboarding.
• Nu Mexico (Nubank): Digital-first neobank operating in Mexico with credit cards, personal loans, and savings accounts. Increasingly competes with UNIFAM for the same financially-inclusive member base via mobile-first, no-branch customer experience.

Regional players

• Integradora Central: Federation of Mexican cooperative savings institutions to which UNIFAM already belongs. Operates a shared services and inter-cooperative infrastructure layer that supports member SOCAPs with technology, liquidity, and operational support.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/unifam.mx

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 Unifam