Our Services
Comprehensive Financial Services
We offer a full range of financial services designed to help our members achieve their goals.
💰 Savings & Share Capital
Regular savings and share capital programs that build long-term financial security. As a member, you can start with affordable minimum deposits and watch your savings grow with competitive interest rates.
- Regular savings accounts with competitive rates
- Share capital investment programs
- Flexible deposit options
- Secure and insured deposits
🤝 Credit & Loan Services
Accessible loan programs with fair terms designed specifically for our members. We understand your needs and offer flexible repayment options.
- Personal loans for various needs
- Business loans for entrepreneurs
- Emergency loans with quick processing
- Fair interest rates and flexible terms
📈 Dividends & Patronage Refunds
Members earn from the cooperative's surplus through transparent profit sharing. As a member-owner, you share in our success.
- Annual dividend distribution
- Patronage refunds based on usage
- Transparent profit sharing
- Regular financial reporting
📚 Financial Education
Training and guidance on savings, credit discipline, and cooperative values to help you make informed financial decisions.
- Financial literacy workshops
- Savings and investment seminars
- Credit management training
- Cooperative values education
Capital Build-Up Program
As a member, you contribute to the cooperative's capital build-up through mandatory contributions:
Monthly Contribution
₱100
Mandatory monthly contribution
Interest Contribution
5%
Of annual interest earned
Patronage Contribution
3%
Of patronage value
These contributions strengthen the cooperative's capital base and ensure long-term financial stability for all members.