Viacredi Alto Vale

Viacredi Alto Vale is a free admission credit cooperative (cooperativa de crédito de livre admissão) operating in the Alto Vale do Itajaí region of Santa Catarina, Brazil, and the Vale dos Sinos metropolitan region of Rio Grande do Sul. As a financial institution organized as a cooperative society, it is supervised by the Central Bank of Brazil (Banco Central do Brasil). Unlike traditional banks, Viacredi Alto Vale operates on a not-for-profit basis with democratic governance, where members are also owners who share in the cooperative's surplus returns.

The cooperative is affiliated with Sistema Ailos, one of Brazil's largest credit cooperative systems, which provides operational infrastructure, technological support, and governance frameworks that ensure business sustainability and security.