Associação de Pessoal da Caixa Econômica Federal no Rio de Janeiro | APCEF RJ

What Associação de Pessoal da Caixa Econômica Federal no Rio de Janeiro | APCEF RJ does

APCEF/RJ (Associação de Pessoal da Caixa Econômica Federal no Rio de Janeiro) is a non-profit employees' class association founded in 1938, representing active employees, retirees, pensioners, and dependents of Caixa Econômica Federal in the state of Rio de Janeiro. It is institutionally affiliated with Fenae (Federação Nacional das Associações do Pessoal da Caixa Econômica Federal), the national federation of Caixa employee associations, and operates as a unified membership platform for social, cultural, sports, legal, and representational services. The association served its 87th anniversary in 2025 and is governed by an elected Diretoria (most recently installed for the 2020-2024 term).

The core product portfolio is anchored on two owned physical facilities — the Sede Campestre country club in Jacarepaguá (pools, barbecue areas, sports courts, restaurant, event hall, and the Centro Cultural Pedro Eugênio) and the Sede Praiana beach resort in Cabo Frio (20 suites with pool, sauna, and game room) — combined with a national benefits platform (Clube de Vantagens Fenae/Apcefs with 2,500+ partners and 25,000 stores) and direct partnerships (convênios) with educational institutions (UVA up to 65% off, CCAA up to 50% off, IIEP 10% off), tourism providers (Pousada Moriá), and entertainment services (DJ Xandão Produções). It also operates the regional sports program (Jogos Regionais and selection for Jogos da Fenae) and publishes the Apcef Rio digital magazine. Membership is sold through a direct-to-consumer model with a disclosed R$ 49.90 promotional fee for new associates, delivered via the association's website, social media (Facebook, Instagram, YouTube), email, and WhatsApp channels.

The revenue model is subscription-recurring (membership dues), supplemented by venue, event, and accommodation income from the two facilities and by member usage of partnership discounts. Headcount is lean at 14 employees, consistent with a small administrative staff supporting a membership organization that outsources its main benefit aggregation to the Fenae national platform and external convênio partners. There is no proprietary technology product; the association's underlying stack is essentially the website (apcefrj.org.br), social profiles, WhatsApp communication, and the third-party Clube de Vantagens platform.

Name

Associação de Pessoal da Caixa Econômica Federal no Rio de Janeiro | APCEF RJ

Legal name

Associação de Pessoal da Caixa Econômica Federal no Rio de Janeiro

Website

https://apcefrj.org.br

Company type

Private

Founded year

1938

Operating status

Operating

Headcount range

11–50 employees

Short description

APCEF/RJ is a non-profit employees' association founded in 1938 that serves Caixa Econômica Federal active employees, retirees, pensioners, and dependents in Rio de Janeiro. It provides membership-based access to two leisure facilities (Sede Campestre and Sede Praiana), legal assistance, sports programs, and partner discounts through the national Fenae network.

Ownership category

akta.pro rank

Headquarters

HQ city

Rio de Janeiro

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Membership fees: APCEF/RJ generates revenue through annual membership fees paid by active employees, retired employees, and pensionists of Caixa Econômica Federal. The association was founded in 1938 and celebrated its 87th anniversary in 2024/2025.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

APCEF RJ is a non-profit membership association for active employees, retirees, and pensioners of Caixa Econômica Federal in Rio de Janeiro. It provides access to recreational facilities (Sede Campestre in Jacarepaguá and Sede Praiana in Cabo Frio), discounted partnerships (convênios), and organizes sports and social events such as the Jogos da Fenae.

Product overview

APCEF/RJ is a non-profit class association serving active employees, retirees, and pensioners of Caixa Econômica Federal in Rio de Janeiro. The organization operates as a unified membership platform offering recreational facilities (Sede Campestre in Jacarepaguá and Sede Praiana in Cabo Frio), a national benefits program (Clube de Vantagens Fenae/Apcefs with 2,500+ partners), and direct partnerships (convênios) with educational institutions (UVA, CCAA, IIEP), tourism providers (Pousada Moriá), and entertainment services (DJ Xandão Produções). The association also organizes sports programs through Jogos Regionais and participation in Fenae national games, and publishes the Apcef Rio digital magazine.

Differentiator

Problem solved

Functional benefit

Products and services

• Sede Campestre (Recreational Club in Jacarepaguá) A recreational club facility located in Jacarepaguá, Rio de Janeiro, offering leisure amenities to APCEF RJ members and their families.
• Sede Praiana (Beach Club in Cabo Frio) A beach club facility located in Cabo Frio, providing leisure and recreational services to APCEF RJ members.
• Convênios (Member Discount Partnerships) A discount and benefits program providing APCEF RJ members with negotiated pricing at partner establishments across various categories.
• Jogos da Fenae (Sports Events) National inter-apcef sports competition held annually, organized through the Fenae federation, allowing members to participate in various sporting disciplines.
• Annual Membership An annual membership product priced at R$ 49.90 that grants active Caixa Econômica Federal employees, retirees, and pensioners access to APCEF RJ's recreational facilities, partner discounts, and events.

Quantifiable outcome

• Up to 65% discount on higher education through UVA partnership
• +3 more outcomes

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core and minor.

• Universidade Veiga de Almeida (UVA)coreStrategic or Co-development PartnerEducational partnership offering associates, dependents, and APCEF/RJ employees up to 65% discount on all courses at UVA campuses in Barra da Tijuca, Botafogo, Tijuca, Cabo Frio, and all EAD locations. Valid for all levels including undergraduate, graduate, and continuing education.
• CCAA ( Cultura Inglesa )coreStrategic or Co-development PartnerLanguage learning partnership offering up to 50% discount on basic level, 40% on intermediate, and 30% on advanced English courses. Free conversation classes included for enrolled students. Located in Centro, Rio de Janeiro.
• Instituto IIEP (Instituto Internacional de Educação e Pesquisa)minorStrategic or Co-development PartnerPartnership offering 10% discount on postgraduate, master's, doctorate, and post-doctoral programs. Courses available in-person or virtual at the Del Castilho location (Av. Pastor Martin Luther King Jr., 126, Torre 2000).
• Clube de Vantagens Fenae/ApcefscoreStrategic or Co-development PartnerNational partnership platform developed by Fenae with over 2,500 partners and 25,000 stores across Brazil. Provides exclusive discounts for APCEF/RJ members in categories including education, health, wellness, leisure, travel, services, and online shopping.
• Fenae (Federação Nacional das Associações do Pessoal da Caixa Econômica Federal)coreStrategic or Co-development PartnerNational federation representing all Apcef associations across Brazil. APCEF/RJ is affiliated with Fenae which coordinates national campaigns, the Jogos da Fenae sports competition, and policy advocacy for Caixa employees.
• Pousada MoriáminorOthersTourism partnership offering 15% discount for associates at the pousada located in Visconde de Mauá, 50 meters from Cachoeira do Escorrega. Features pool, sauna, hydromassage, pet-friendly environment, and cozy chalets with fireplace.
• DJ Xandão ProduçõesminorOthersEntertainment partnership offering 10% discount on event services including DJ, professional lighting, high-quality sound, 360° platform, and infinity tunnel. Led by Alexandre Seixas.
• AmabuqminorGTM or Marketing PartnerCultural partner collaborating on traditional events like the Festa Agostina. Amabuq brings traditional popular culture performances including quadrilha (square dancing), music, and typical foods.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Contraf-CUT (Confederação Nacional dos Trabalhadores do Ramo Financeiro): National labor federation representing financial-sector workers including Caixa employees. Overlaps with APCEF/RJ on collective representation and the Saúde Caixa campaign, but operates through union/collective bargaining rather than membership-based leisure services.
• Clube de Vantagens (Fenae/Apcefs national platform): The digital national benefits platform that APCEF/RJ plugs into; operated by Fenae with 2,500+ partners and 25,000 stores. Adjacent peer in the benefits aggregation layer, comparable to commercial benefits marketplaces serving employer-based memberships.

Direct peers

• APCEF Minas Gerais: Another state-level APCEF serving Caixa employees in Minas Gerais, operating under Fenae with a comparable recreational and partnership model. Useful regional peer benchmark for member engagement and facility utilization.
• Associação Atlética Banco do Brasil (AABB): Long-standing non-profit membership club serving Banco do Brasil employees and retirees, operating recreational facilities, sports programming, and partnership benefits nationally. Highly comparable in mission, member profile, and facility-based value proposition, but serving a different employer.
• APCEF Rio Grande do Sul: Another state-level APCEF operating recreational and partnership services for Caixa employees in southern Brazil under Fenae. Directly comparable regional peer with similar facility and partnership economics.
• APCEF São Paulo: Regional sister association of Caixa Econômica Federal employees in São Paulo, operating the same membership, recreational facility, and partnership model as APCEF/RJ under the Fenae federation. The closest direct comparable in structure, customer base, and revenue model.

Regional players

• Sindicato dos Bancários do Rio de Janeiro: Regional banking workers union covering Rio de Janeiro including Caixa employees. Overlaps with APCEF/RJ on labor representation and benefits advocacy, but operates through union dues and collective bargaining rather than membership leisure clubs.

Others

• FUNCEF (Fundação dos Economiários Federais): Closed pension fund for Caixa Econômica Federal employees, serving the same constituency as APCEF/RJ. Adjacent ecosystem player providing retirement benefits rather than leisure/membership services; relevant for understanding member financial ecosystem.
• Caixa de Assistência dos Funcionários do Banco do Brasil (Cassi): Health-focused mutual assistance organization for Banco do Brasil employees, analogous in mission (employee welfare) to APCEF/RJ but specialized in health plan administration. Useful peer for how employee associations can scale into benefit administration.

Broad incumbents

• Federação Nacional das Associações do Pessoal da Caixa (Fenae): National federation of all APCEF associations, including APCEF/RJ. Provides the national Clube de Vantagens platform, coordinates Jogos da Fenae, and leads advocacy. Functions as both parent-like umbrella and a broader-scale peer operating across all Caixa geographies.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCbE5XqA3l_X3dHIHF7Iyl5w
• Facebookfacebook.com/apcefrj
• Instagraminstagram.com/apcefrj
• LinkedInlinkedin.com/company/apcef-rj

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 →

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