Question 1

What is Unión de Crédito Agrícola, Ganadera e Industrial del Potosí?

Accepted Answer

Unión de Crédito Agrícola, Ganadera e Industrial del Potosí (UCAGI) is a Mexican credit union providing financing and investment services to agricultural, livestock, industrial, commercial, and service sector businesses in San Luis Potosí state. The institution serves both individuals with business activities and corporate entities, offering competitive credit products and investment options exclusively to its members. UCAGI received perfect 10.0 scores from CONDUSEF for its credit products in 2024.

Question 2

When was Unión de Crédito Agrícola, Ganadera e Industrial del Potosí founded?

Accepted Answer

[Information not publicly available] The specific founding date of UCAGI has not been disclosed in publicly accessible sources. However, the institution has been operating for several years as an authorized and supervised credit union, serving the productive sectors of San Luis Potosí.

Question 3

Where is Unión de Crédito Agrícola, Ganadera e Industrial del Potosí headquartered?

Accepted Answer

UCAGI is headquartered in San Luis Potosí, the capital city of San Luis Potosí state. The main office is located at Avenida Del Lago #170, Colonia del Parque, postal code 78209.

Question 4

Where does Unión de Crédito Agrícola, Ganadera e Industrial del Potosí operate?

Accepted Answer

The credit union operates throughout San Luis Potosí state and neighboring regions, serving members engaged in agriculture, livestock, industry, commerce, and service sectors. San Luis Potosí's strategic geographic location and growing industrial sector make it an important economic hub, and UCAGI provides financial services to support businesses across multiple economic sectors in the region.

Question 5

What services does Unión de Crédito Agrícola, Ganadera e Industrial del Potosí offer?

Accepted Answer

UCAGI offers a comprehensive range of credit products tailored to different business needs. These include Crédito de Habilitación o Avío (short-cycle working capital financing) and Crédito de Habilitación y/o Avío en Cuenta Corriente for businesses with frequent and predictable cash flows.

The institution also provides Crédito Refaccionario for long-term capital projects, Crédito Simple for various business purposes, and investment products for members wishing to save or invest excess capital. Interest rates are offered in both fixed and variable formats, with fixed rates starting at 12% annually and variable rates beginning at TIIE + 5.5 percentage points.

Digital services and traditional banking operations support member needs, with responsive customer service through the Unidad Especializada de Atención a Usuarios (UNE), which can be reached via email at uneucagi@hotmail.com or by phone.

Question 6

What makes Unión de Crédito Agrícola, Ganadera e Industrial del Potosí unique?

Accepted Answer

UCAGI's exceptional performance in regulatory evaluations sets it apart. The institution received perfect 10.0 scores from CONDUSEF in 2024 for its Crédito en Cuenta Corriente (ranking 3rd among 33 institutions), Crédito de Habilitación o Avío (ranking 1st among 20 institutions), and Crédito Refaccionario (ranking 5th among 14 institutions).

These outstanding ratings reflect the institution's commitment to transparent operations, effective complaint resolution, regulatory compliance, and sound banking practices. UCAGI's multi-sector focus—spanning agriculture, livestock, industry, commerce, and services—allows it to serve diverse business needs within a single membership structure.

Question 7

What type of financial institution is Unión de Crédito Agrícola, Ganadera e Industrial del Potosí?

Accepted Answer

UCAGI is a Unión de Crédito (Credit Union), a specialized non-bank financial intermediary in Mexico. These institutions are organized as sociedades anónimas and operate under the Ley de Uniones de Crédito (Credit Union Law).

Credit unions are regulated and supervised by the Comisión Nacional Bancaria y de Valores (CNBV) and provide services exclusively to their members. To become a member, individuals or entities must acquire shares representing at least 2,500 Unidades de Inversión (UDIs).

As a credit union, UCAGI operates with the specific purpose of facilitating access to financing, savings, and investment opportunities for its member-owners, offering more favorable conditions than those typically available through traditional banking channels. The institution emphasizes that it holds federal government authorization to operate, though the government does not guarantee the results of its operations or assume responsibility for obligations to members or third parties.

Unión de Crédito Agrícola, Ganadera e Industrial del Potosí

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