Investments
Savings & Investments
Grow your cooperative stake with competitive returns and democratic ownership.
Share Capital
12%
per annum
Cooperative ownership stake — 20 shares at ₱100 per share (₱2,000 subscription). Every member maintains share capital plus the one-time ₱300 membership fee.
Minimum
₱2,000
Term
Open-ended / Annual Dividend
- ✓Democratic voting rights
- ✓Annual dividend (declared by BOD)
- ✓Withdrawable upon retirement or exit
Time Deposit
6%
per annum
Fixed-term deposit with guaranteed interest superior to commercial bank rates.
Minimum
₱5,000
Term
30, 60, 90, 180, or 360 days
- ✓6% per annum fixed rate
- ✓Rollover option at maturity
- ✓No pre-termination penalty after 30 days
Savings Deposit
3%
per annum
Liquid cooperative savings account accessible anytime with compounding interest.
Minimum
₱500
Term
On-demand / Liquid
- ✓3% per annum on average balance
- ✓Withdrawable anytime
- ✓No maintaining balance required