Question 1

What is Viacredi?

Accepted Answer

Viacredi is one of the largest credit cooperatives in Brazil, operating primarily in Santa Catarina and Paraná states. With nearly 1 million members, the cooperative provides comprehensive financial services to individuals, businesses, and agricultural producers. Headquartered in Blumenau, Santa Catarina, Viacredi is part of the Ailos System and has over 70 years of history serving its regional communities.

Question 2

When was Viacredi founded?

Accepted Answer

Viacredi traces its origins to November 26, 1951, when 21 employees of Companhia Hering textile company established the Cooperativa de Crédito Organizações Hering (initially known as CrediHering) in Blumenau, Santa Catarina. The cooperative was founded by Ingo Hering, who served as its first president for 16 years. It officially opened for business on February 1, 1952, with initial capital of 35,000 cruzeiros.

The cooperative was created to provide accessible credit to workers at reasonable interest rates, addressing the financial needs of industrial workers who had limited access to banking services.

Question 3

Where is Viacredi headquartered?

Accepted Answer

Viacredi is headquartered in Blumenau, Santa Catarina, Brazil. The cooperative's administrative office is located at Rua Hermann Hering, 1125, in the Bom Retiro neighborhood. Blumenau is a major city in the Vale do Itajaí region of Santa Catarina, known for its industrial heritage and German cultural influence.

Question 4

Where does Viacredi operate?

Accepted Answer

Viacredi operates across multiple municipalities in Santa Catarina and Paraná states. The cooperative has expanded significantly from its origins in Blumenau to serve communities throughout the Vale do Itajaí region and beyond. With a network of branches and service points across both states, Viacredi maintains a strong presence in southern Brazil, serving both urban centers and rural areas.

Question 5

What services does Viacredi offer?

Accepted Answer

Viacredi offers a complete range of financial services including checking and savings accounts, personal and business credit, investment products, payment cards, insurance, and consortium services. The cooperative provides agricultural financing, working capital loans, real estate credit, and specialized products for different market segments. Digital banking is available through mobile apps and online platforms, offering Pix payments, transfers, bill payments, and account management.

The cooperative emphasizes financial education through Ailos Educação programs. In 2024, Viacredi's credit portfolio reached R$ 8.9 billion, demonstrating significant lending capacity. The institution invests heavily in technology and digital security to enhance member experience.

Question 6

What makes Viacredi unique?

Accepted Answer

Viacredi stands out as one of Brazil's oldest and largest credit cooperatives, with over 70 years of continuous operation. The cooperative pioneered innovations such as the cheque-salário (payroll check) system in the 1960s, which helped workers manage their finances more effectively. As a member of the Ailos System, Viacredi benefits from robust infrastructure while maintaining local autonomy.

The cooperative operates on democratic principles where members are owners and share in financial results. Viacredi has been recognized as one of the Best Companies to Work For by GPTW, reflecting its commitment to employees and organizational culture. With projected assets of R$ 16.7 billion for 2025, Viacredi continues to grow sustainably.

Question 7

What type of financial institution is Viacredi?

Accepted Answer

Viacredi is a Cooperativa de Crédito (Credit Cooperative). In Brazil, credit cooperatives are member-owned financial institutions regulated by the Central Bank of Brazil under the same prudential standards as commercial banks. These institutions operate democratically, with each member having one vote regardless of account size.

Viacredi is affiliated with the Ailos System, one of Brazil's major cooperative financial systems, which provides integrated services, technology platforms, and regulatory support to its member cooperatives.

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About Viacredi in Brazil