Cooperativa de Ahorro y Crédito Alcalicoop

What Cooperativa de Ahorro y Crédito Alcalicoop does

Cooperativa de Ahorro y Crédito Alcalicoop is a Colombian private savings and credit cooperative supervised by Supersolidaria and insured through Fogacoop, serving individual associates in the Cundinamarca department. It operates a horizontal, community-led model targeting retail consumers in smaller municipalities (Zipaquirá, Cajicá, Pacho) where access to formal financial services is thinner than in major Colombian urban centers.

Its core product suite is organized around three lines: savings products (notably CDAT term deposits) with an online return simulator; credit products including personal loans and a specialized university credit line, with an online credit simulator; and member benefits encompassing voluntary welfare funds (Fondos), Convenio discount agreements, and insurance (Seguros). Distribution combines three physical branch offices with a self-service digital layer — the 'Alcalicoop Digital' web platform, a mobile application, integrations with COOPCENTRAL's BRE-B app and PSE online payments, and a children's financial-literacy microsite (Alcahorritos). The website was developed by Estrategia Segura S.A.S., which is the technology services partner.

The cooperative monetizes via interest spread between member deposits and lending (savings deposits forming the funding base and credit operations the principal income generator), supplemented by transaction fees and commissions from insurance and convenio partnerships. Pricing is not publicly disclosed and is provided upon consultation, consistent with regulated cooperative practice. Marketing relies on member referrals, community events (fishing, tejo, regional trips, cooperativism day), the 'Ecocooperativo' newsletter, and active social channels (Facebook, Instagram, LinkedIn, YouTube), reinforcing a community-driven acquisition model that converts associates into both customers and ambassadors.

Name

Cooperativa de Ahorro y Crédito Alcalicoop

Legal name

Cooperativa de Ahorro y Crédito Alcalicoop

Website

https://alcalicoop.com.co

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Cooperativa de Ahorro y Crédito Alcalicoop is a Colombian savings and credit cooperative serving individual associates in the Cundinamarca department (Zipaquirá, Cajicá, Pacho) with savings, credit, insurance, and digital banking products under Supersolidaria supervision and Fogacoop deposit insurance.

Ownership category

akta.pro rank

Product category

Cooperative Banking / Credit Union Services

NAICS

Credit Unions (522130)

SIC

Personal Credit Institutions (6141)

akta.pro industry

PRIMARYFSABAEAA

Community Credit Unions (Retail/Consumer Focus)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

Keywords

• Cooperative banking services
• Savings accounts deposits
• Consumer credit products
• Term deposits CDAT
• Member financial services

Headquarters

HQ city

Zipaquirá

HQ country

Colombia

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Savings Deposits: The cooperative accepts savings deposits from associates, providing them with a secure place to store funds while earning returns. This forms the primary funding base for lending activities.
2. Credit/Lending Operations: The cooperative provides various credit products to associates including personal loans, credit cards, and specialized financing such as university credit. Interest income from loans constitutes core revenue generation.
3. Fee-based Services: Additional revenue generated through various fees including insurance commissions (seguros), convenience fees for services, and charges related to fund management.
4. University Credit Program: Specialized credit product targeting university students for educational financing needs.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Cooperativa de Ahorro y Crédito Alcalicoop is a member-owned savings and credit cooperative that accepts deposits from individual associates and provides them with access to term savings products (CDAT), personal and university credit, insurance, welfare funds, and partner discounts. It distributes these services through three branch offices in Cundinamarca (Zipaquirá, Cajicá, Pacho) and the "Alcalicoop Digital" online platform and mobile application.

Product overview

Cooperativa de Ahorro y Crédito Alcalicoop is a savings and credit cooperative offering a unified portfolio of financial products and services. The core product suite is anchored by Alcalicoop Digital, a digital banking platform, supplemented by savings products (Línea de Ahorros including CDATs) and credit offerings (Línea de Créditos, Crédito Universitario). The cooperative also provides member benefits through Fondos, Convenios, and Seguros, and promotes financial literacy through the Alcahorritos sub-brand. Online simulator tools for CDAT savings growth and credit options help members plan their finances. All products are collectively referred to under the Alcalicoop cooperative brand.

Differentiator

Problem solved

Functional benefit

Brands

• Alcalicoop digital: Digital banking platform for associates
• Alcahorritos

Products and services

• Línea de Ahorros (Savings Line) Savings account products and term deposit offerings (CDATs) designed to help associates grow their money safely. Available to individual cooperative members/associates.
• Línea de Créditos (Credit Line) Credit and loan products to finance various member needs including personal expenses, education, and other financial goals. Available to cooperative associates.
• Crédito Universitario (University Credit) Specialized education financing product tailored for university students to cover tuition and related academic expenses. Available to cooperative associates.
• Seguros Insurance products offered as member benefits to provide additional financial protection alongside savings and credit services. Available to cooperative associates.
• Fondos (Welfare Funds) Voluntary welfare funds available to members as additional financial benefits beyond standard savings and credit services. Available to cooperative associates.
• Convenios (Partner Agreements) Discounted agreements and partnerships offering members preferential rates on products and services from partner providers. Available to cooperative associates.
• Alcahorritos A financial education program and microsite aimed at children and youth, promoting savings habits from an early age within member families.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• SupersolidariacoreOthersSupersolidaria (Superintendencia de la Economía Popular) is the Colombian government supervisory body that oversees and regulates credit cooperatives and savings banks. Alcalicoop is officially supervised and regulated by this entity, displaying their logo as part of regulatory compliance.
• FogacoopcoreOthersFogacoop (Fondo de Garantías de Entidades Cooperativas) is the Colombian cooperative deposit insurance fund. Alcalicoop's deposits are insured through Fogacoop, providing protection for members' savings. This partnership demonstrates regulatory compliance and member protection.
• Estrategia Segura S.A.S.minorOthersEstrategia Segura S.A.S. is a Colombian technology company that developed and maintains the Alcalicoop website. This is a technology services partnership for web development and digital infrastructure support.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Banco Agrario de Colombia: State-owned Colombian bank with the largest rural and municipal branch network in the country. Comparable as a deposit-taking and credit provider serving smaller municipalities, where Alcalicoop also has physical presence.
• Bancolombia: Colombia's largest commercial bank with deep retail and SME reach across the country. Comparable to Alcalicoop as a competing depository institution serving individual consumers in Cundinamarca, but operating nationally and at vastly greater scale.
• Coomeva: Large multi-purpose Colombian cooperative historically providing savings, credit, and insurance to associates. Comparable as a member-owned financial cooperative serving individual consumers, though operating at materially greater scale.
• Bancamía: Colombian commercial bank focused on microfinance and financial inclusion for low-income populations and micro-entrepreneurs. Comparable target market to Alcalicoop's individual associates in regional Colombia.

Emerging players

• Nequi: Bancolombia's digital neobank brand focused on unbanked and underbanked consumers in Colombia. Directly comparable as a digital-first alternative to community credit cooperatives serving individual savers and borrowers.
• Nu Colombia: Digital-first neobank operating in Colombia targeting middle-income consumers with credit cards and savings products. Competes for the same retail customer base as Alcalicoop, but with a fully digital onboarding and product experience.
• Daviplata: Bancolombia's mobile wallet offering deposit accounts, payments, and small credit to mass-market Colombian consumers. Targets the same underbanked retail segment as Alcalicoop and competes for primary banking relationships in Cundinamarca.

Direct peers

• COOPCENTRAL: Colombian financial cooperative providing shared technology and banking services to member credit cooperatives. Most directly comparable peer given identical cooperative model and existing technology partnership disclosed in the company data.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCmFobCHPOZROiroTFhFKpNQ?view_as=subscriber
• Facebookfacebook.com/AlcalicoopCooperativa
• LinkedInlinkedin.com/company/cooperativa-de-ahorro-y-cr%C3%A9dito-alcalicoop
• Instagraminstagram.com/alcalicoop

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 Cooperativa de Ahorro y Crédito Alcalicoop