Sicredi União RS/ES
“Can a 112-year-old regional credit cooperative retain member relevance by riding a shared national Sicredi digital stack?”
Founded1913
HQSanta Rosa, Rio Grande do Sul, Brazil
FoundersPadre Theodor Amstad
IndustryBank / Community
The story
One of Sicredi's ~100 member cooperatives and one of eight centenarian coops in the system. Sicredi União RS/ES operates as a regional credit union serving Rio Grande do Sul (Noroeste/Missões) and southern Espírito Santo. Financial products (accounts, cards, credit, insurance, investments) run on the shared Sicredi system infrastructure — this coop is the distribution/relationship layer, not an independent stack owner. Embedded-finance surface area is therefore tightly coupled to central Sicredi (Banco Cooperativo Sicredi) technology.
Last 12 months
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Product timeline
1913
Founded by Padre Theodor Amstad as Caixa Rural in Colônia Serro Azul (today Cerro Largo/RS), one of the first credit cooperatives in Brazil.· banking
1966
Cooperative registered under current CNPJ 88.894.548/0001-73.· banking
2024
Certified as Great Place to Work (GPTW) in Brazil.· milestone
2025
Celebrated 112 years, serving 280k+ members across Noroeste/Missões RS and southern Espírito Santo.· milestone
Regulated entities
1
regulatory licence held by Sicredi União RS/ES
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
Same company
Sicredi União RS/ES was analysed under more than one name on the same domain, so its stack is split across these dossiers. Each was analysed independently and may name providers the others do not.
The stack
9 layers disclosed in Sicredi União RS/ES’s embedded-finance stack
Payments / PSP
Sicredi Payments (self-operated)
Money movement
in the full report
Banking / BaaS
in the full report
Card issuing
in the full report
Card network
in the full report
Lending
in the full report
Insurance
in the full report
Open banking
in the full report
Investing
in the full report
Accounting gap: none
12 more providers across 8 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.