Crédit Agricole des Côtes d'Armor

What Crédit Agricole des Côtes d'Armor does

Crédit Agricole des Côtes d'Armor is a regional cooperative bank (Caisse régionale de Crédit Agricole Mutuel des Côtes d'Armor) headquartered in Saint-Brieuc, France, operating within the broader Crédit Agricole Group — one of 39 such regional banks and France's leading retail banking group. The bank provides comprehensive retail banking, insurance, and real estate services to a diversified customer base across the Côtes d'Armor department in Brittany, including individuals, professionals, farmers, associations, enterprises, public authorities, and private banking clients.

The product platform spans transactional banking (account tiers Eko, Essentiel, Premium, Prestige with associated Visa and Mastercard cards and Apple Pay/Samsung Pay support), savings products (Livret A, LDDS, LEP, Livret Jeune, PEL, life insurance, PEA/PEA-PME, ETFs, retirement plans), credit offerings (mortgages including Facilimmo and PTZ, personal loans, student loans, auto financing, energy transition loans), and insurance products distributed through PACIFICA (P&C) and PREDICA (life/health) subsidiaries. Distribution combines a physical branch network with the Ma Banque and Mes Assurances mobile applications and online banking platforms, plus Square Habitat for real estate services.

The cooperative sociétaire model means customers are members rather than purely transactional account holders, and approximately 90% of regional bank results are reinvested locally in territorial development. Revenue derives from interest income on lending, insurance premiums, banking service fees, distribution of savings and investment products, and real estate transaction fees — a diversified mix characteristic of French regional cooperative banks. Strategic emphasis in 2025-2026 has been on green finance (Compte Épargne Vert, Eco PTZ, transition loans) and youth-segment acquisition (student loan, Formule Jeune insurance, Livret Jeune).

Name

Crédit Agricole des Côtes d'Armor

Legal name

Caisse régionale de Crédit Agricole Mutuel des Côtes d'Armor, société coopérative à capital variable

Website

https://ca-cotesdarmor.fr

Company type

Private

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Crédit Agricole des Côtes d'Armor is a regional cooperative bank in Brittany, France, serving individuals, professionals, farmers, enterprises, and public authorities across the Côtes d'Armor department with retail banking, insurance, credit, savings, and real estate services through branches and digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

SAINT-BRIEUC CEDEX 9

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest rate spreads on mortgage loans, consumer credit, and other lending products. Includes specialized products like Facilimmo flexible mortgages, PTZ (zero-interest loans), and student loans.
2. Insurance Premiums: Property and casualty insurance (habitation, auto, mobile), health insurance, borrower insurance, and legal protection products. Distributed through PACIFICA and PREDICA subsidiaries of Crédit Agricole Assurances.
3. Banking Services and Fees: Account management fees, payment card fees, transaction fees, and service charges for accounts like Prestige, Premium, and Essentiel tiers.
4. Savings Products Distribution: Distribution of savings and investment products including Livret A, PEL, life insurance (Assurance Vie), PEA, and responsible investment products (Amundi Valeurs Durables, Amundi France Engagement).
5. Real Estate Services: Real estate agency services through Square Habitat network including property sales, property management, and rental services.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Crédit Agricole des Côtes d'Armor is a regional cooperative bank providing comprehensive retail banking, savings, credit, insurance, investment, and real estate services to individuals, professionals, farmers, associations, businesses, public authorities, and high-net-worth clients in the Côtes d'Armor department of Brittany, France. Services are delivered through a branch network, mobile and online banking platforms, and specialized subsidiaries including Square Habitat for real estate and Crédit Agricole Immobilier for new property development.

Product overview

Crédit Agricole des Côtes d'Armor offers a comprehensive banking and insurance platform organized around several core pillars: (1) Transactional banking through account packages (Offre Essentiel, Premium, Prestige, Eko) with associated debit/credit cards (Visa Classic, Premier, Gold Mastercard, Mozaic Black) and mobile payments (Samsung Pay, Apple Pay); (2) Savings products including regulated accounts (Livret A, LDDS, LEP, Livret Jeune), the green savings account (Compte Épargne Vert), life insurance (Oriance, Gestion Accompagnée), and retirement planning (PER, PEL); (3) Investment services via PEA, PEA-PME, ETF, and socially responsible investment funds; (4) Credit offerings spanning mortgages (Facilimmo, PTZ), personal loans, auto financing (Agilauto, Prêt Auto, Prêt Transition Mobilité), student loans, and home improvement loans (Prêt Transition Logement, Eco PTZ); (5) Insurance solutions including home (Multirisques Habitation, Formule Jeune), auto, health, life/death, legal protection, and borrower insurance; (6) Digital services including Ma Banque mobile app, Mes Assurances app, and property management through Square Habitat. The company operates as a regional cooperative bank within the larger Crédit Agricole group, with property services complemented by J'Ecorenove for energy renovations.

Differentiator

Problem solved

Functional benefit

Brands

• Ma Banque: Mobile banking application for daily banking operations
• Square Habitat
• Village by CA

Products and services

• Offre Eko Account Free basic banking account with essential services for everyday banking needs, designed for cost-conscious customers.
• Offre Essentiel Account Standard banking account package with standard banking services and card options.
• Offre Premium Account Premium banking account package with enhanced services and higher card limits.
• Offre Prestige Account Prestigious banking package offering exclusive services, premium card benefits, and specialized relationships.
• Payment Cards Debit and credit cards (Visa Classic, Visa Premier, Gold Mastercard, Mastercard Standard, Mozaic Black) with associated insurance and payment features.
• Livret A Savings Account Regulated savings account with tax-free interest, subject to government-set rate.
• Livret de Développement Durable et Solidaire (LDDS) Sustainable development savings account supporting green economy projects.
• Livret d'Épargne Populaire (LEP) Popular savings account with tax-free interest for eligible taxpayers.
• Livret Jeune Mozaic Youth savings account for 12-25 year olds with attractive tax-free rates.
• Livret Engagé Sociétaire Shareholder savings account supporting cooperative banking model.
• Compte Épargne Vert (CEV) Green savings account with boosted interest rate for environmentally conscious savers.
• Plan Épargne Logement (PEL) Home savings plan combining savings phase with potential mortgage loan at fixed rate.
• Assurance Vie Oriance Life insurance product with flexible investment options.
• Assurance Vie Gestion Accompagnée Managed life insurance with professional portfolio management.
• Plan d'Épargne en Actions (PEA) Equity savings plan with tax advantages for French stock market investments.
• Plan d'Épargne Retraite (PER) Retirement savings plan with tax advantages and flexible withdrawal options.
• Crédit Immobilier Facilimmo Flexible mortgage loan adapting to life changes with variable repayment options.
• Prêt à Taux Zéro (PTZ) Government-backed interest-free first-time buyer mortgage loan.
• Prêt Étudiant Student loan with deferred repayment starting upon employment, at 1.99% TAEG fixed for amounts up to €75,000.
• Prêt Personnel Unsecured personal loan for various financing needs.
• Prêt Auto and Agilauto Auto financing loan for vehicle purchases plus long-term rental/lease with purchase option (LLD/LOA).
• Prêt Transition Mobilité Eco-friendly vehicle financing with preferential rates for electric/hybrid cars.
• Prêt Transition Logement and Eco PTZ Home improvement loan for energy renovation projects (Prêt Transition Logement); Eco PTZ is an interest-free energy renovation loan.
• Assurance Multirisques Habitation Modular home insurance covering fire, water damage, theft, and natural disasters.
• Assurance Habitation Formule Jeune Budget-friendly home insurance for young people aged 18-30 at €6/month.
• Assurance Auto and Two-Wheeler Insurance Vehicle insurance covering liability, damage, theft for cars, motorcycles, scooters, and electric scooters.
• Complémentaire Santé Supplemental health insurance covering medical expenses not paid by the public system.
• Assurance Emprunteur Credit life insurance protecting loan repayment in case of death, illness, or disability.
• Assurance Protection Juridique Legal protection insurance covering lawyer fees and legal proceedings.
• Ma Banque Mobile Application Mobile banking application for iOS and Android enabling account management, payments, card controls, and basic transactions.
• Square Habitat Real Estate Services Real estate services including property search, sales, rental management, and investment advisory through the Square Habitat network.
• J'Ecorenove Renovation Platform Energy renovation platform offering diagnostics, financing advice, and RGE-certified craftsman connections.

Quantifiable outcome

• Up to €200 refund on insurance contracts for multi-product customers
• +2 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core, major and strategic.

• PACIFICAcoreTechnology or IntegrationInsurance products distributed by the regional bank are underwritten by PACIFICA, a subsidiary of Crédit Agricole Assurances. PACIFICA provides property and casualty insurance including home, auto, and accident coverage. Located at 8-10 bd de Vaugirard, 75724 Paris Cedex 15.
• PREDICAcoreTechnology or IntegrationLife and health insurance products distributed through the bank are underwritten by PREDICA, a subsidiary of Crédit Agricole Assurances. PREDICA covers life insurance, health insurance, and borrower insurance products at 16-18 Boulevard de Vaugirard, 75015 Paris.
• AmundicoreTechnology or IntegrationInvestment management partner providing responsible investment products distributed by the bank including Amundi Valeurs Durables and Amundi France Engagement socially responsible investment funds.
• Square HabitatcoreChannel Partner/ Reseller/ DistributorReal estate services subsidiary providing property sales, purchases, and rental management across Brittany. Operated through SAS CREDIT AGRICOLE BRETAGNE HABITAT TRANSACTION and SAS HABITER DEMAIN for new property programs. Network of agencies across the region.
• Crédit Agricole ImmobiliermajorChannel Partner/ Reseller/ DistributorSubsidiary providing new property development programs and investment services. Offers new construction programs from selected developers and builders with quality standards including location, construction quality, and price competitiveness criteria.
• Village by CAstrategicStrategic or Co-development PartnerStartup accelerator program operated by the regional bank to foster innovation ecosystem. Website at levillagebycacotesdarmor.com providing startup support and brand positioning.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Crédit Mutuel de Bretagne: Another French mutual cooperative bank serving the Brittany region with overlapping retail, agricultural, and SME banking products. Directly comparable in governance (member-owned), product mix, and geographic footprint within Brittany.
• Banque Populaire Grand Ouest: Cooperative regional bank serving western France including Brittany with retail and professional banking offerings. Directly comparable as a regional cooperative bank with similar customer segments and omnichannel distribution.
• Caisse d'Épargne Bretagne Pays de la Loire: Regional savings bank serving the same Brittany territory with deposit, mortgage, and insurance products. Comparable in cooperative-adjacent structure, retail banking focus, and regional service model.

Broad incumbents

• La Banque Postale: French postal bank offering retail banking, savings, and insurance nationwide with a strong public-service mandate. Comparable as a national retail bank competing for the same particuliers, associations, and public-sector segments.
• CIC (Crédit Industriel et Commercial): French regional banking network owned by Crédit Mutuel, serving SMEs, professionals, and retail customers. Comparable as a regional branch-led bank with similar product breadth across banking and insurance.
• Crédit Agricole Group: National parent group of this regional Caisse and 38 sister regional banks. Comparable as the broader retail banking conglomerate whose products, insurance subsidiaries, and digital platforms this regional bank distributes.
• LCL (Le Crédit Lyonnais): Universal retail bank within the Crédit Agricole Group, serving urban retail and private banking customers. Comparable as a sister entity within the same parent group with overlapping product range and shared back-office platforms.
• Crédit Mutuel: National network of mutual cooperative banks across France. Comparable as the parallel cooperative banking system competing for the same retail, professional, and agricultural customer segments.
• Crédit Mutuel Arkéa: Federal mutual banking group covering Brittany and the Atlantic arc; parent of Crédit Mutuel de Bretagne. Comparable as a broader mutual banking platform with similar member-owned governance and broader geographic reach.

Emerging players

• Boursorama: Leading French online bank owned by Société Générale, targeting price-sensitive retail and investment customers. Comparable as a digital-first competitor encroaching on the same retail deposit and brokerage segments this regional Caisse serves.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/ca_cotesdarmor
• YouTubeyoutube.com/channel/UCNN667qw4kzyyWJzeG1Oo1w
• Facebookfr-fr.facebook.com/creditagricole22
• LinkedInlinkedin.com/company/cr-dit-agricole-des-c-tes-d-armor
• Instagraminstagram.com/creditagricolecotesdarmor/?hl=fr

Compliance1 record

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 Crédit Agricole des Côtes d'Armor