Sama-sama Tayo Lumago
Credit Cooperative

Community. Growth. Financial Empowerment.

A member-owned, CDA-compliant cooperative dedicated to helping individuals and communities grow together through savings, credit, and shared success.

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About the Cooperative

Member-Owned

You are an owner, not just a client. Every member has a voice and a stake in our cooperative's success.

CDA-Compliant

Fully registered and compliant with the Cooperative Development Authority, ensuring transparency and accountability.

Community-Based

Rooted in our community, driven by cooperative values of mutual help, integrity, and sustainable growth.

Who We Are

Sama-sama Tayo Lumago Credit Cooperative is a registered, member-owned cooperative focused on financial inclusion, responsible lending, and sustainable community growth. We believe in empowering our members through accessible financial services, transparent operations, and shared prosperity.

Our Core Services

💰 Savings & Share Capital

Regular savings and share capital programs that build long-term financial security for you and your family.

🤝 Credit & Loan Services

Accessible loan programs with fair terms designed specifically for our members' needs.

📈 Dividends & Patronage Refunds

Members earn from the cooperative's surplus through transparent profit sharing and patronage refunds.

📚 Financial Education

Training and guidance on savings, credit discipline, and cooperative values to help you make informed decisions.

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Why Join STL Coop?

You are an owner, not just a client
Every member has voting rights and shares in the cooperative's success.
Transparent and fair operations
Open books, regular reporting, and democratic governance ensure accountability.
Community-driven growth
We grow together, supporting each other and our community's development.
Long-term financial stability
Build lasting financial security through savings, investments, and member benefits.

Ready to Grow With Us?

Join a cooperative that puts people first and builds shared success.

Become a Member Download Requirements

Membership Packages

Choose the package that fits your needs and start your cooperative journey today.

Associate

Associate Member

New members, STL tellers, ushers, entry-level earners

₱1,300

one-time payment

Initial Payment Breakdown:

Membership Fee: ₱300
Share Capital: ₱500
Savings Deposit: ₱300
Insurance Fund: ₱200

Privileges:

No voting rights
No loan access

Additional Benefits:

Official Coop Member ID
Savings Account
Insurance / Mortuary Coverage

Choose Associate

Regular Member

General members seeking full cooperative benefits

₱3,500

one-time payment

Initial Payment Breakdown:

Membership Fee: ₱500
Share Capital: ₱2,000
Savings Deposit: ₱500
Insurance Fund: ₱500

Privileges:

Voting rights
Loan access (3.00× multiplier)
Dividend earnings
Patronage refunds
HMO eligible

Additional Benefits:

Full voting rights (1 member = 1 vote)
Eligible for loans (subject to policies)
Earn dividends & patronage refund

Choose Regular

Premium

Premium Member (Full Payment)

Members seeking higher loan limits and officer eligibility

₱14,000

one-time payment

Initial Payment Breakdown:

Membership Fee: ₱1,000
Share Capital: ₱10,000
Savings Deposit: ₱2,000
Insurance Fund: ₱1,000

Privileges:

Voting rights
Loan access (5.00× multiplier)
Dividend earnings
Patronage refunds
Can hold office
HMO eligible
Priority loan processing

Additional Benefits:

Priority loan processing
Higher loan limits (up to 4-5× share capital)
Eligible for officer / committee positions

Choose Premium

Premium

Premium Member (Monthly Installment)

Members who prefer gradual payment to premium status

₱14,000

one-time payment

Or ₱3,000 initial + ₱1,000/mo

Initial Payment Breakdown:

Membership Fee: ₱1,000
Share Capital: ₱10,000
Savings Deposit: ₱2,000
Insurance Fund: ₱1,000

Privileges:

Voting rights
Loan access (5.00× multiplier)
Dividend earnings
Patronage refunds
Can hold office
HMO eligible
Priority loan processing

Additional Benefits:

Priority loan processing (after 50% payment)
Higher loan limits (up to 4-5× share capital)
Eligible for officer / committee positions (after 100% payment)

Choose Premium

All applications are subject to Board approval. Your membership status will be Pending until approved.

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How Membership Works

1

Complete PMES

Attend Pre-Membership Education Seminar (PMES) and submit certificate. This is mandatory for all applicants.

2

Submit Application

Choose your package, fill out the online form, and submit your application. You'll receive a reference number.

3

Board Approval

Application reviewed by Board of Directors. Status remains PENDING until approved. You'll be notified of the decision.

4

Become Active Member

Once approved, pay your initial fees, access all services, earn voting rights, participate in governance, and earn dividends.

Our Core Values

Mutual Help
We support each other's growth and success.
Integrity
Honest, ethical, and transparent in all our operations.
Accountability
Responsible stewardship of member resources and trust.
Sustainability
Long-term thinking for lasting community impact.

Governance & Compliance

CDA-Compliant By-Laws
Operating under approved cooperative by-laws and regulations.
Elected Board of Directors
Democratic governance with member-elected leadership.
Regular Audits and Reporting
Annual audits and transparent financial reporting to members.
Transparent Operations
Open meetings, accessible records, and member participation.

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Who Can Join?

Active STL Tellers

Open to all active STL tellers who are Filipino citizens, age 18 and above, with PMES completion.

Active STL Ushers

Open to all active STL ushers committed to cooperative values and good moral character.

PMES Required

Pre-Membership Education Seminar (PMES) completion is mandatory for all applicants.

Regular Members Only

Membership is limited to Regular Members only, ensuring full ownership and voting rights.

Membership Qualifications: Filipino citizen, minimum age 18, active STL Teller/Usher, PMES completed, good moral character. Membership fee: ₱500. Minimum share capital: 40 shares (10 paid on entry).

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READY TO GROW WITH US?

Join Sama-sama Tayo Lumago Credit Cooperative

Become a member and start building your financial future today.

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