Question 1

What is Crédito Agrícola Cadaval?

Accepted Answer

Crédito Agrícola Cadaval is a Portuguese cooperative credit institution (Caixa de Crédito Agrícola Mútuo) serving the Cadaval municipality in the Lisbon district. As part of the Crédito Agrícola Group, Portugal's only cooperative banking network, it provides banking and financial services to communities in the wine-producing region of the Oeste area.

The institution operates under a mutual cooperative model, serving local residents, agricultural producers, and businesses in a region known for viticulture, fruit production, and traditional agriculture situated between Lisbon and the western coast.

Question 2

When was Crédito Agrícola Cadaval founded?

Accepted Answer

Specific founding date information for Crédito Agrícola Cadaval is not publicly available in detail. The institution was officially authorized under current Portuguese banking regulations on April 11, 2019.

The institution follows the historical tradition of Portuguese agricultural credit cooperatives, which trace their origins to the 1911 decree establishing mutual agricultural credit throughout Portugal.

Question 3

Where is Crédito Agrícola Cadaval headquartered?

Accepted Answer

The institution is headquartered in Cadaval, Portugal, a municipality in the Lisbon district. Cadaval is located in the Oeste region, approximately 70 kilometers north of Lisbon, in an area characterized by rolling hills and agricultural landscapes.

Question 4

Where does Crédito Agrícola Cadaval operate?

Accepted Answer

Crédito Agrícola Cadaval operates primarily within the Cadaval municipality and potentially extends to neighboring areas where no other agricultural credit cooperative is established. The municipality is situated in the fertile Oeste region, known for wine production and diversified agriculture.

The region's economy centers on agriculture, particularly viticulture (Cadaval is part of the Lisboa Wine Region), fruit production (apples and pears), horticulture, and traditional mixed farming. The area benefits from a moderate Atlantic climate favorable for diverse agricultural activities.

The institution serves rural farming communities, the town of Cadaval, and smaller villages throughout the municipality, providing financial services to populations engaged in agriculture, agribusiness, and rural enterprises as well as residential customers.

Question 5

What services does Crédito Agrícola Cadaval offer?

Accepted Answer

The institution provides comprehensive retail banking services including current accounts, savings accounts, term deposits, debit and credit cards, personal loans, mortgage financing, and consumer credit. Agricultural financing supports viticulture, fruit production, horticulture, and farming operations throughout the region.

Insurance products through CA Seguros and CA Vida include specialized agricultural insurance covering vineyards, orchards, crops, and agricultural equipment, as well as life insurance, property insurance, and vehicle insurance. Investment services include mutual funds, pension plans, and savings products.

Digital banking services include CA Online internet banking, CA Mobile smartphone applications, contactless payment solutions, and access to the extensive Crédito Agrícola ATM network. The institution supports modern payment methods including MB WAY and provides SEPA and international payment capabilities.

Business banking services support wine producers, fruit cooperatives, agricultural enterprises, and local commercial activities with commercial loans, working capital financing, agricultural project financing, merchant services, and cash management solutions tailored to agricultural seasonal patterns.

Question 6

What makes Crédito Agrícola Cadaval unique?

Accepted Answer

The institution's specialized knowledge of wine production and fruit cultivation in the Oeste region allows it to provide financing solutions specifically adapted to viticulture cycles, vineyard development, cellar equipment, and the seasonal cash flow patterns of wine and fruit producers. This expertise distinguishes it from generic commercial banks.

As a cooperative institution, governance remains local with democratic member participation (one member, one vote regardless of capital contributed), ensuring banking decisions reflect community agricultural priorities. All profits are either reinvested in the institution's development or distributed to member-associates.

The institution maintains personalized customer relationships characteristic of cooperative banking—with loan officers who understand local agricultural conditions, family farming operations, and regional economic patterns—while offering comprehensive modern financial services comparable to larger banks.

Its commitment to maintaining banking presence in rural areas ensures financial accessibility for agricultural communities that might otherwise face service gaps as commercial banks close rural branches.

Question 7

What type of financial institution is Crédito Agrícola Cadaval?

Accepted Answer

Crédito Agrícola Cadaval is classified as a Caixa de Crédito Agrícola Mútuo (Mutual Agricultural Credit Bank), a specific type of cooperative credit institution (CRDCREINS) under Portuguese law. Despite the agricultural designation, it operates as a universal bank serving all economic sectors, though agriculture remains central to its mission.

The institution is regulated by the Banco de Portugal (Portuguese Central Bank) and complies with European Banking Authority standards. Deposits are protected under the Portuguese agricultural credit deposit guarantee scheme (PT_FGCAM - Fundo de Garantia do Crédito Agrícola Mútuo), which covers eligible deposits up to €100,000 per depositor.

Crédito Agrícola Cadaval

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About Crédito Agrícola Cadaval in Portugal