Question 1

What is Crevisc?

Accepted Answer

Crevisc (Cooperativa de Crédito de Livre Admissão de Associados do Sul do Brasil) is a free-admission credit cooperative headquartered in Guaramirim, Santa Catarina, Brazil. The cooperative is affiliated with the Ailos System, which comprises 13 credit cooperatives serving over 1.5 million people across southern Brazil. With over 22,700 members, R$ 221.5 million in assets, and R$ 40 million in net equity, Crevisc provides comprehensive financial services across Santa Catarina and Paraná.

In the Ailos cooperative model, members are not merely customers but co-owners who participate actively in decision-making through assemblies and benefit from annual profit distribution.

Question 2

When was Crevisc founded?

Accepted Answer

Crevisc was founded 15 years ago (approximately 2008-2009) with 44 founding members. The cooperative began as a small community-based financial institution focused on serving the Guaramirim region.

Over its history, Crevisc has grown from this modest beginning to become a significant regional cooperative, expanding its membership base more than 500-fold and extending operations across state lines into Paraná.

Question 3

Where is Crevisc headquartered?

Accepted Answer

Crevisc is headquartered in Guaramirim, Santa Catarina, Brazil. The cooperative maintains its main administrative offices in this municipality, which serves as the hub for its expanding network of branches.

Guaramirim, located in the Itajaí Valley region of Santa Catarina, provides a strategic base for serving communities throughout the state and neighboring Paraná.

Question 4

Where does Crevisc operate?

Accepted Answer

Crevisc operates through nine service points across Santa Catarina and Paraná. In Santa Catarina, the cooperative serves Guaramirim and surrounding communities, including a location within the Amizade neighborhood.

In Paraná, Crevisc has established a significant presence along the coast, operating in Guaratuba, Matinhos, Pontal do Paraná (with multiple locations), and Paranaguá. The cooperative continues expanding in Paraná, with plans to open branches in Antonina and Morretes, plus an additional location in Paranaguá in the near future. The cooperative recently opened a relationship agency inside Atacarejo Cooper in Guaramirim, demonstrating innovative co-location strategies.

Question 5

What services does Crevisc offer?

Accepted Answer

Crevisc offers comprehensive financial services including checking and savings accounts, personal and business credit, investment products, insurance, payment cards, and digital banking solutions through the Ailos mobile app.

Credit lines start at competitive rates of 0.79% + CDI, designed to simplify financial decisions and support member projects. The cooperative provides both physical branch services and self-service terminals for convenient access. The relationship agency model, such as the location inside Atacarejo Cooper, focuses on financial consultations and product origination without traditional teller windows, supported by nearby full-service branches for cash transactions.

Members benefit from profit distribution (sobras), participation in governance decisions, and access to all services available at traditional banks while enjoying the personalized service characteristic of cooperative banking.

Question 6

What makes Crevisc unique?

Accepted Answer

Crevisc distinguishes itself through rapid growth and strategic expansion. The cooperative has grown from 44 founding members to over 22,700 members, with ambitious targets to reach 35,000 members by 2025.

The cooperative practices intercooperation, one of the seven cooperative principles, through innovative partnerships such as its relationship agency inside Atacarejo Cooper—a collaboration between a credit cooperative and a consumer cooperative that generates mutual benefits. This model demonstrates how different types of cooperatives can work together to serve members and communities.

Crevisc's aggressive expansion into Paraná's coastal region represents strategic geographic diversification beyond its Santa Catarina base. The cooperative has successfully established presence in multiple coastal municipalities and plans continued growth in this market. President Gilberto Ronchi emphasizes that the cooperative model provides not just banking services but ownership, where members participate in decisions and share in profits.

Question 7

What type of financial institution is Crevisc?

Accepted Answer

Crevisc is a Cooperativa de Crédito de Livre Admissão (free-admission credit cooperative), which is a member-owned financial institution affiliated with the Ailos System and regulated by the Brazilian Central Bank.

In Brazil, credit cooperatives are full financial institutions subject to the same regulations as traditional banks. The "livre admissão" designation means any individual or business can become a member, regardless of profession or economic sector. The Ailos System represents a collaborative economy model where members share knowledge, emotions, dreams, and solutions. Members are simultaneously owners and users, participating in democratic governance through cooperative assemblies with equal voting rights. Annual profits are distributed to members proportionally to their usage of cooperative services, and members benefit from decisions made for community benefit rather than external shareholder profit maximization.

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