Sicredi Região da Produção RS/SC/MG

What Sicredi Região da Produção RS/SC/MG does

Sicredi Região da Produção RS/SC/MG is a Brazilian credit cooperative (cooperativa de crédito) founded in 1983, operating as one of more than 100 cooperatives within the Sistema Sicredi network. The cooperative serves over 132,400 members across 24+ municipalities in three Brazilian states: northern Rio Grande do Sul, western Santa Catarina, and the northern metropolitan region of Minas Gerais, with R$ 8.1 billion in managed resources as of 2026. Members become co-owners of the cooperative upon account opening, participate in governance through assemblies, and receive annual distributions of surpluses (sobras) under the cooperative profit-sharing model.

The cooperative operates a multi-channel distribution platform combining 24+ physical branches, the Sicredi Mobi mobile app, internet banking, ATM access through the Banco24horas network, WhatsApp business contact, and a traditional contact center (SAC, Ouvidoria). The core technology is a financial services cooperative platform rather than a proprietary software platform; the cooperative is part of the larger Sicredi system infrastructure. The product portfolio spans 300+ financial solutions organized across three segments: personal banking (Para Você, including checking accounts, credit, cards, investments, insurance, consortia, pension plans, payments, digital certificates, and foreign exchange), business banking (Para sua Empresa, with corporate credit lines, BNDES, Pronampe, Pix, and merchant services), and agribusiness (Para o Agronegócio, with rural credit, CPR, agricultural insurance, and consortium programs for machinery).

Revenue is generated through interest on loans and credit operations, fees from account services, insurance commissions, investment product fees, card transaction fees, and foreign exchange services. The go-to-market motion is direct-to-consumer through physical branches, supplemented by digital self-service channels. The cooperative also pursues a community-driven acquisition model through educational programs (financial education in 97 schools reaching 17,292 students), social programs (Fundo de Desenvolvimento Social benefiting 123 nonprofits, Elas Empreendem for women entrepreneurs), and word-of-mouth referrals driven by member-ownership. The institution is led by President Catiane Longhi Menin, elected in May 2026, with a 12-member Board of Directors representing the municipalities served.

Name

Sicredi Região da Produção RS/SC/MG

Legal name

Sicredi Região da Produção RS/SC/MG

Website

https://sicrediregiaodaproducao.com.br

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

251–500 employees

Short description

Sicredi Região da Produção RS/SC/MG is a Brazilian credit cooperative serving over 132,400 members across 24+ municipalities in Rio Grande do Sul, Santa Catarina, and Minas Gerais, offering 300+ financial products spanning personal banking, business banking, and agribusiness with R$ 8.1 billion in managed resources.

Ownership category

akta.pro rank

Headquarters

HQ city

Sarandi

HQ country

Brazil

HQ region

Latin America

Offices29 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Services Revenue: As a credit cooperative, Sicredi generates revenue through interest on loans and credit operations, fees from account services, insurance commissions, investment product fees, card transaction fees, and foreign exchange services. Results (sobras) are distributed annually to members based on their participation.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Sicredi Região da Produção RS/SC/MG is a credit cooperative that provides retail, business, and agribusiness banking services to its member-owners across Rio Grande do Sul, Santa Catarina, and Minas Gerais. Its core offering is a checking account that grants membership and access to more than 300 financial solutions, including personal and business credit, rural credit (Custeio, Investimento, Comercialização, Industrialização, CPR), investments, insurance, consortia, pension plans, cards, payment/receipt services, foreign exchange, and digital certificates.

Product overview

Sicredi Região da Produção RS/SC/MG is a cooperative financial institution offering a comprehensive portfolio of banking and financial services organized across three main segments: personal (Para Você), business (Para sua Empresa), and agribusiness (Para o Agronegócio). The core product is the Conta Corrente (checking account), which makes members co-owners of the cooperative and provides access to 300+ solutions. The product ecosystem includes credit products (Crédito, Crédito Rural, Crédito Empresarial), card services (Cartões Visa and Mastercard with multiple tiers), investment options (Poupança, Sicredinvest, RDC, LCA, Fundos), insurance (Seguros personal, business, and agricultural), consortium programs (Consórcios with multiple modalities), pension plans (Previdência PGBL/VGBL), payment and receipt services, digital certificates (via VALID), and foreign exchange. The cooperative also operates social programs including Juntos loyalty, Pertencer member engagement, Fundo de Desenvolvimento Social, and financial education initiatives. The institution serves over 120,000 members across Rio Grande do Sul, Santa Catarina, and Minas Gerais states.

Differentiator

Problem solved

Functional benefit

Products and services

• Conta Corrente (Personal Checking Account) Checking account product that makes members co-owners of the cooperative, providing access to 300+ financial solutions including deposits, withdrawals, transfers, payments, cards, and investments; aimed at individual members.
• Cartões Sicredi (Personal Cards) Credit and debit card portfolio for individuals including Visa Infinite, Mastercard Black, Platinum, Gold, International, and Débito cards with reward programs and global acceptance.
• Investimentos (Personal Investments) Investment products for individuals including Poupança (savings), Sicredinvest (fixed income), Sicredinvest Evolutivo, Sicredinvest Flex, RDC (Cooperativo Deposit Receipt), LCA (Agricultural Credit Letter), and Fundos de Investimentos (investment funds).
• Crédito (Personal Credit) Personal credit products including Aposentado Mais, Crédito Fácil, Crédito Pessoal, Crédito Turismo, Auto Crédito, Crédito Imobiliário, BNDES Crédito Caminhoneiro, and Consignado with payment terms up to 72 months.
• Consórcios (Personal Consortia) Scheduled savings consortia for individuals to acquire assets through drawing or bids, including modalities for real estate, vehicles, trucks, tractors, motorcycles, boats, solar panels, drones, services, and furniture.
• Seguros (Personal Insurance) Personal insurance products including Seguro Vida do Meu Jeito, Seguro Vida Mais Flex, Seguro Residencial, Seguro Residencial Super Fácil, Seguro Viagem, and Seguro Placa Solar for personal protection.
• Previdência Privada (Private Pension) Personal private pension plans PGBL (Plano Gerador de Benefício Livre) and VGBL (Vida Gerador de Benefício Livre) with low administration fees and zero loading rates.
• Pagamentos (Personal Payments) Payment services for individuals including digital wallets, income tax payments, toll tags, mobile recharge, and various bill payment options available 24/7.
• Recebimentos (Personal Receipts) Receipt services for individuals including INSS benefit receipt and federal employee salary payments.
• Certificado Digital (Personal Digital Certificate) Digital certificate services for individuals via partnership with VALID Certificadora, offering A1 and A3 certificates plus cloud-based VIDaaS for document signing and identity verification.
• Câmbio (Personal Foreign Exchange) Foreign exchange services for international travel and transactions including currency exchange (USD, EUR, and 30+ currencies), prepaid reloadable cards, and international money transfers for individuals.
• Conta Corrente PJ (Business Checking Account) Business checking account with access to 300+ solutions for companies, providing deposits, withdrawals, transfers, payments, and specialized business services.
• Cartões Empresariais (Business Cards) Business credit and debit cards with Visa and Mastercard options, financial management tools, expense control, and rewards programs for companies.
• Investimentos PJ (Business Investments) Business investment products including savings, fixed income options (Sicredinvest, RDC, LCA), and investment funds for enterprise capital management.
• Crédito Empresarial (Business Credit) Business credit lines including Pronampe, Investimento BNDES, Capital de Giro, Antecipação, Crédito com Garantia, Cheque Empresarial, Financiamento de Veículos, Financiamento para Energia Solar, Microcrédito PNMPO, and FCO Empresarial.
• Consórcios Empresariais (Business Consortia) Business consortium programs with 10 modalities for acquiring real estate, vehicles, trucks, equipment, and other business assets through scheduled savings.
• Seguros Empresariais (Business Insurance) Business insurance including Seguro Vida Empresa, Seguro Vida em Grupo, Seguro Empresarial, Seguro Máquinas e Equipamentos, Seguro Auto, and Seguro Condomínio.
• Previdência Empresarial (Corporate Pension) Corporate pension plans (Instituídos and Averbados) offering PGBL and VGBL options with tax benefits for companies and employees.
• Pagamentos PJ (Business Payments) Business payment services including automatic debit, supplier payments, Pix PJ, authorized direct debit (DDA), and corporate cards.
• Recebimentos PJ (Business Receipts) Business receipt solutions including billing, collection, check custody, Pix, debit/credit processing, and boleto payments available 24/7.
• Credenciamento (Card Acquiring) Card machine and payment point services offering physical and virtual payment solutions with competitive rates for businesses.
• Câmbio e Comércio Exterior (Business Foreign Trade) Foreign trade and exchange services including import/export operations, foreign currency exchange, and international remittances for businesses.
• Certificado Digital PJ (Business Digital Certificate) Business digital certificates via partnership with VALID Certificadora offering A1, A3, and cloud-based VIDaaS certificates for secure business transactions.
• Conta Corrente Agro (Agribusiness Checking Account) Agricultural checking account making producers co-owners of the cooperative with 300+ solutions adapted for agribusiness needs.
• Crédito Rural (Rural Credit) Rural credit products including Custeio (production financing), Investimento (investment), Comercialização (marketing), Industrialização (processing), and CPR (Cédula do Produtor Rural) for agricultural financing.
• Cartões Agro (Agribusiness Cards) Agricultural business cards including Visa Empresarial Internacional and Visa Empresarial Débito for daily farm expenses and financial management.
• Consórcios Agro (Agribusiness Consortia) Agricultural consortium programs for acquiring trucks, tractors, utilities, machinery and equipment with sustainable terms of 60-120 months.
• Seguros Agro (Agricultural Insurance) Agricultural insurance products including Seguro Rural Simplificado, Seguro Granizo, Seguro Cafezal, Seguro Multirisco Rural, Seguro Colheita Garantida, and Seguro Floresta.
• Investimentos Agro (Agribusiness Investments) Agricultural investment products including Poupança, Sicredinvest, Sicredinvest Evolutivo, Sicredinvest Flex, RDC, LCA, and investment funds for rural producers.

Quantifiable outcome

• 70.5% member base growth (77.6k to 132.4k associates) from 2022-2026
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• Icatu SeguroscoreStrategic or Co-development PartnerPartnership with Icatu Seguros for life insurance products. Through this partnership, more than 2,800 members have received prize awards totaling approximately R$ 113 million through monthly insurance prize drawings.
• Fundação SicredicoreStrategic or Co-development PartnerFundação Sicredi is the social and cultural arm of Sicredi, recognized by the Brazilian Ministry of Justice as an OSCIP (Civil Society Organization of Public Interest). The foundation supports educational and cultural initiatives including the Sicredi na Comunidade platform for online courses.
• SESCOOP/RScoreStrategic or Co-development PartnerPartnership with SESCOOP/RS (Cooperative Education and Training Service of Rio Grande do Sul) supporting the Fundo Social for the Elas Empreendem program providing female entrepreneurship training.
• Banco Central do BrasilcoreOthersRegulatory partner for all financial operations. Savings and investments are regulated by Banco Central. The cooperative participates in official rural credit programs (Plano Safra) supervised by the central bank.

Scale indicators14 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Cresol: Cresol is a Brazilian credit cooperative system with strong rural and agricultural focus, serving small and medium producers. Closely comparable to Sicredi on target member base, agribusiness orientation, and regional operating model.
• Sistema Sicredi (Central Sicredi): The parent cooperative system under which Sicredi Região da Produção operates, comprising 100+ cooperatives and 10 million members. Provides shared infrastructure, branding, and regulatory coordination that this regional cooperative leverages.
• Unicred: Unicred is a Brazilian cooperative credit institution serving professionals and companies, with a similar member-owned structure and comprehensive financial services offering. Comparable to Sicredi on cooperative DNA and full-service banking model.
• Sicoob: Sicoob is Brazil's largest credit cooperative system, operating a similar member-owned cooperative model with shared values, member profit distribution, and a multi-vertical product portfolio. Most directly comparable to Sicredi on structure, governance, and Brazilian geographic reach.

Emerging players

• Nubank: Brazil's largest digital bank, offering credit cards, personal loans, and deposit accounts via mobile app. Represents the most disruptive fintech competitor to Sicredi's traditional member relationships in younger and urban segments.
• Banco Inter: Brazilian digital bank with full-service mobile offerings (checking, credit, investments, insurance) targeting individuals and SMEs. Competes with Sicredi for member acquisition in Minas Gerais and increasingly digitally-native SMB customers.

Broad incumbents

• Banco do Brasil: Brazil's largest state-owned commercial bank with dominant rural credit presence through Plano Safra and agricultural financing. Overlaps with Sicredi on agribusiness lending and regional Brazilian deposit gathering.
• Caixa Econômica Federal: Brazilian federal savings bank providing retail banking, savings, and government benefit payments across Brazil. Comparable to Sicredi on retail deposit-taking and community-oriented banking, but with national scale.
• Itaú Unibanco: Brazil's largest private commercial bank with national branch presence, full product suite, and agribusiness financing. Comparable to Sicredi on comprehensive product portfolio scale and Brazilian retail/SME banking.
• Bradesco: One of Brazil's largest private commercial banks with extensive branch network, agribusiness lending, and SME banking. Overlaps with Sicredi on agricultural credit and regional business banking in RS, SC, and MG.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/sicrediregiaodaproducao
• Instagraminstagram.com/sicrediregiaodaproducao
• LinkedInlinkedin.com/company/sicrediregiaodaproducao

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

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 Sicredi Região da Produção RS/SC/MG