Sicredi Serrana RS/ES

What Sicredi Serrana RS/ES does

Sicredi Serrana RS/ES is a Brazilian credit cooperative operating within the Sistema Sicredi network, headquartered in Carlos Barbosa, Rio Grande do Sul, and serving members across the states of Rio Grande do Sul and Espírito Santo. Founded in 1986 and operating for over 40 years, the cooperative is member-owned (one member, one vote) under Brazilian cooperative law and affiliated with the largest cooperative financial institution in Brazil. Its product portfolio spans a full banking stack — checking accounts, credit and debit cards (including Visa with FIFA World Cup 2026 co-branding), foreign exchange, personal and business credit, rural credit (Crédito Rural) and the Plano Safra agricultural funding program, investments, payment acquiring (Adquirência), consortium savings plans, pension (Previdência), insurance (Seguros), and payment/receipt management — delivered through three customer segments: individual members, businesses (including a dedicated agency for enterprises with annual revenue above R$30 million), and agribusiness.

Distribution is multi-channel: physical agency locations across RS and ES, digital banking platforms (online and mobile-accessible), and partner reseller channels (revendas parceiras) reaching rural communities. The cooperative's GTM blends community-led engagement through programs such as 'Juntos Fazemos o Bem', 'A União Faz a Vida', 'Cooperativas Escolares', 'Juntos para Aprender', 'Cooperação na Ponta do Lápis', and Fundo Social (allocating 2% of results to education and culture), with direct-to-consumer digital account opening and field-based enterprise services. The cooperative model returns surplus to members, governance is exercised through general assemblies, and regulatory oversight is provided by the Central Bank of Brazil with deposit insurance through FGCoop.

Recognition as the second-largest company in Brazil's Southern Region (October 2024) and the best company to work for in Brazil by Great Place to Work (October 2024) reflects organizational scale. The technology platform is a cooperative banking system with digital services, online account access, mobile banking, and specialized portals including the Solar Energy Portal simulator. Revenue figures, headcount, and detailed financials are not publicly disclosed in the available source material, as is standard for member-owned cooperatives of this type.

Name

Sicredi Serrana RS/ES

Legal name

Sicredi Serrana

Website

https://sicrediserrana.com.br

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Sicredi Serrana RS/ES is a member-owned Brazilian credit cooperative within the Sistema Sicredi network, headquartered in Carlos Barbosa, Rio Grande do Sul, providing retail, business, and agribusiness banking services across Rio Grande do Sul and Espírito Santo to over 100,000 associates.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Credit Unions (52213)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

Keywords

• Cooperative banking services
• Retail financial products
• Rural agricultural credit
• Payment acquiring services
• Community development finance

Headquarters

HQ city

Carlos Barbosa

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking and Financial Services: Sicredi Serrana generates revenue through interest income on loans and credit operations, fees from banking services (accounts, cards, transfers), insurance commissions, investment management fees, and pension contributions. As a cooperative, surplus is distributed to members.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Sicredi Serrana RS/ES is a credit cooperative that delivers retail and corporate banking products to individual, business, and agribusiness members in Rio Grande do Sul and Espírito Santo. Its portfolio spans checking accounts, credit and debit cards, foreign exchange, personal and business credit, rural credit (Plano Safra), investments, insurance, pension, consortium plans, and payment acquiring (Adquirência), delivered through physical agencies, digital channels, and partner resellers. As a cooperative, surplus is returned to members and the institution reinvests in community programs including financial education and a solar energy investment simulator.

Product overview

Sicredi Serrana RS/ES operates as a credit union cooperative within the Sicredi system, offering a comprehensive financial services platform organized around three main segments: personal banking (Para você), business banking (Para sua empresa), and agribusiness (Para seu agronegócio). The core product portfolio includes checking accounts, credit cards (Visa-branded with FIFA World Cup 2026 co-branded promotions), foreign exchange services, credit and lending products, investment services, payment processing, consortium savings plans, pension/previdência products, and insurance. Agribusiness-specific offerings include rural credit and the Plano Safra agricultural funding program. Beyond traditional banking, the institution operates community programs including financial literacy (Cooperação na Ponta do Lápis), educational initiatives (A União Faz a Vida, Cooperativas Escolares), the Fundo Social social fund, and a Solar Energy Portal simulator. The platform architecture is delivered through physical agency locations and digital channels including the main website and product-specific portals.

Differentiator

Problem solved

Functional benefit

Brands

• A União Faz a Vida: Cooperative education program promoting student leadership and learning
• Cooperativas Escolares
• Juntos Fazemos o Bem
• Cooperativismo na Ponta do Lápis
• Juntos para Aprender
• Fundo Social

Products and services

• Conta-corrente (Checking Account) Day-to-day checking accounts for individuals, businesses, and agribusiness members, providing deposits, withdrawals, transfers, and digital account access.
• Cartões (Credit and Debit Cards) Sicredi Visa credit and debit card products for individual and business members, including co-branded FIFA World Cup 2026 promotional benefits for associated members.
• Câmbio e Comércio Exterior (Foreign Exchange and International Trade) Foreign exchange and international trade services for individuals and businesses engaged in cross-border transactions.
• Crédito (Personal and Business Credit) Personal and business credit solutions including loans and financing tailored to customer needs across the cooperative's member segments.
• Crédito Rural (Rural Credit) Agricultural credit products and financing specifically designed for rural producers and agribusiness operations in the cooperative's region.
• Investimentos (Investments) Investment products and wealth management services for individual and business members of the cooperative.
• Pagamentos e Recebimentos (Payments and Receipts) Payment processing and receipt management services for individual and business members, available through dedicated individual and business portals.
• Consórcios (Consortium Savings Plans) Group savings consortium plans allowing members to pool resources toward the purchase of major goods.
• Previdência (Pension and Retirement) Pension and retirement planning products for individual and corporate customers, including corporate pension schemes for businesses.
• Seguros (Insurance) Insurance products for individuals, businesses, and agricultural operations, including dedicated personal, business, and agribusiness coverage lines.
• Adquirência (Payment Acquiring) Payment acquiring services via Sicredi Maquininha enabling merchants to accept card transactions from customers.
• Plano Safra (Agricultural Funding Program) Seasonal financing program aligned with Brazil's agricultural planning cycles, providing rural producers with harvest-year funding under the 2025/2026 Plano Safra.
• Portal de Energia Solar (Solar Energy Simulator) Solar energy simulation portal allowing members to estimate and plan solar energy investments, integrating with Sicredi's renewable energy financing offerings.
• Regularize seus Débitos (Debt Renegotiation) Debt renegotiation and regularization service for cooperative members with outstanding obligations.

Quantifiable outcome

• 2% of annual results invested in education and culture through Fundo Social program
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 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.

• FIFA (World Cup 2026)minorGTM or Marketing Partner · 1 October 2024Copa do Mundo FIFA 2026 promotion offering associated members with Sicredi Visa cards exclusive experiences, benefits, and discounts related to the World Cup event.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Inter: Inter (now Inter&Co) is a Brazilian digital bank and super-app offering accounts, credit, investments, and shopping; comparable to Sicredi Serrana on retail banking products but via a digital-first model.
• C6 Bank: C6 Bank is a Brazilian digital bank owned by J&F Investimentos, competing for retail accounts, cards, and investments; an emerging player that overlaps with Sicredi Serrana's individual member offering.
• Nubank: Brazil's largest neobank competing for retail deposits, credit cards, and unsecured lending; an emerging threat to Sicredi Serrana's individual member base on digital onboarding and price.

Regional players

• Banrisul: Banrisul is the state-owned bank of Rio Grande do Sul, directly competing with Sicredi Serrana in its home state across retail, SME, and agribusiness banking. A natural regional incumbent peer in RS.

Broad incumbents

• Banco do Brasil: Brazil's largest federal bank and dominant agricultural lender through Plano Safra and Pronaf; directly comparable to Sicredi Serrana in rural credit distribution and breadth of retail/SME banking services.
• Bradesco: One of Brazil's largest private banks with a strong retail, SME, and agribusiness footprint; competes with Sicredi Serrana across virtually every product line and is a useful comparable for banking economics.
• Itaú Unibanco: Brazil's largest private bank with extensive retail, corporate, and agribusiness operations; broad incumbent competing with Sicredi Serrana for deposits, credit, and insurance customers across RS and ES.

Direct peers

• Sicoob: Sicoob is Brazil's largest cooperative financial system, directly comparable to Sicredi in operating model (credit union, member-owned, multi-product retail banking). Both compete for the same rural and retail cooperative members across Brazil.
• Unicred: Unicred is a national Brazilian credit cooperative originally formed for healthcare and liberal professionals; comparable to Sicredi Serrana as a multi-product cooperative financial institution operating under Central Bank oversight.
• Cresol: Cresol is a Brazilian credit cooperative system with deep roots in family agriculture and rural lending. Highly comparable to Sicredi Serrana on agricultural credit focus, member-owned governance, and regional cooperative model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

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 Sicredi Serrana RS/ES