Question 1

What is Sicoob Ouricred?

Accepted Answer

Sicoob Ouricred (Cooperativa de Crédito Livre Admissão Sicoob Ouricred) is a free admission credit cooperative headquartered in Ourinhos, São Paulo. Originally founded in 1997 by physicians and initially serving exclusively healthcare professionals, the cooperative achieved a significant milestone in 2025 by becoming a free admission cooperative, expanding its capacity to serve individuals and businesses across diverse sectors.

As part of the Sicoob System (Sistema de Cooperativas de Crédito do Brasil), Sicoob Ouricred operates as a non-profit cooperative society, regulated by the Central Bank of Brazil and affiliated with Brazil's largest cooperative credit system.

Question 2

When was Sicoob Ouricred founded?

Accepted Answer

Sicoob Ouricred was founded in 1997 by a group of physicians in Ourinhos, São Paulo. Initially, the cooperative was established to serve exclusively healthcare professionals, operating as a restricted credit cooperative for several decades.

In 2025, the cooperative underwent a transformative change, converting to a free admission cooperative (livre admissão), allowing it to expand its membership base beyond the healthcare sector to serve individuals and businesses from all segments of the community.

Question 3

Where is Sicoob Ouricred headquartered?

Accepted Answer

Sicoob Ouricred is headquartered in Ourinhos, a city located in the southwest region of São Paulo state. Ourinhos is strategically positioned near the border with Paraná state and serves as an important regional commercial and educational center.

The cooperative maintains strong local roots in this region, with leadership and control exercised by its own members who participate in strategic decisions during General Assemblies.

Question 4

Where does Sicoob Ouricred operate?

Accepted Answer

Sicoob Ouricred operates throughout São Paulo state and beyond, with physical branches in four municipalities:

Ourinhos: The headquarters branch serving the cooperative's home city.

Piraju: A branch serving this neighboring municipality in São Paulo.

Santa Cruz do Rio Pardo: Extending services to this regional city.

Avaré: Providing cooperative financial services to this lakeside municipality.

Additionally, the cooperative offers nationwide service through its digital branch (agência digital), ensuring convenience and proximity in relationships with members throughout Brazil. As part of the Sicoob System, members can access over 4,600 service points across the country.

Question 5

What services does Sicoob Ouricred offer?

Accepted Answer

Sicoob Ouricred offers a comprehensive portfolio of financial products and services including:

Personal Banking: Current accounts, savings accounts, Pix payments, transfers, and specialized accounts for children and adolescents.

Credit Products: Personal loans, digital credit, credit cards (Sicoobcard), payroll-deductible loans, vehicle financing, and home loans with competitive rates.

Business Services: Business current accounts, working capital financing, merchant payment solutions, and commercial credit lines for companies of all sizes.

Investments: Fixed income investments (RDC), savings products including "Poupança Premiada" (Prize Savings) campaigns, consortium plans, and capital social participation with profit distribution.

Insurance and Protection: Comprehensive insurance products for personal, family, and business needs.

Digital Banking: Full-featured Sicoob Super App with advanced mobile and online banking capabilities, including innovative features like converting Coopera points into everyday payments.

Financial Education: Access to financial consultation services and educational programs.

Question 6

What makes Sicoob Ouricred unique?

Accepted Answer

Sicoob Ouricred distinguishes itself through its exceptional workplace culture and financial strength. The cooperative has earned the Great Place to Work (GPTW) certification, recognizing its excellence as an employer, and holds an AAA (+) risk rating from Fitch Ratings, affirming its financial solidity and reliability in the Brazilian financial market.

The cooperative's transformation from a healthcare-focused institution to a free admission cooperative in 2025 demonstrates its commitment to community expansion while maintaining the personalized service and specialized knowledge developed over nearly three decades.

As a member-owned institution, Sicoob Ouricred is governed and controlled by its own members, who participate in strategic decisions through General Assemblies, elect administrative bodies, and define the distribution of annual surpluses (sobras). This democratic structure ensures that the cooperative's values of solidarity, democracy, and sustainable development remain central to its operations.

Question 7

What type of financial institution is Sicoob Ouricred?

Accepted Answer

Sicoob Ouricred is classified as a Cooperativa de Crédito de Livre Admissão (Free Admission Credit Cooperative) in Brazil. This institutional type is regulated by the Central Bank of Brazil and operates under cooperative legislation as a non-profit cooperative society.

As a free admission cooperative (since 2025), it can accept any individual or business as members, regardless of profession or employment sector, within its operational area. This contrasts with its previous status as a restricted cooperative serving only healthcare professionals.

Being part of the Sicoob System, which is the largest cooperative credit system in Brazil with over 9 million members and R$ 398 billion in managed assets, Sicoob Ouricred combines local governance and decision-making autonomy with access to national infrastructure, technology platforms, and the scale advantages of a major financial network.

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About Sicoob Ouricred in Brazil