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Membership & Requirements
What are the requirements to become a member?
To become a member, you need to provide:
- 2 forms of ID
- Job letter (must not exceed 3 months)
- Most recent payslip
- Utility bill (not exceeding 3 months; if not in your name, provide authorization letter and copy of the bill owner's ID)
Additionally, there is a $50 entrance fee and $20 for shares.
What is the Transunion fee for?
The $130 Transunion fee is required for loan applications and is used for credit checks and assessments as part of our loan approval process.
Shares & Savings
What are the benefits of shares?
- Twice times borrowing power
- Annual dividends
- Free insurance coverage
What are the benefits of savings accounts?
- No hidden transaction fees
- Annual interest paid on savings
- Quick service
Loan Products
What is a Character Loan?
- Twice times borrowing power
- Loan for any reason (housing, vehicle repairs, education, etc.)
- Competitive interest rates
- Low processing fees
What is the Credit Plus loan?
- Easy access up to $8,000.00
- Same day approval
- Top up what you pay
- Up to 12 months to repay
What are Motor Power Loans?
We offer Motor Power Loans for RORO, new vehicles, and used vehicles:
- 10% down payment
- 0.75% interest rate on reducing balance
- Up to 84 months to repay
- Low processing fees
- Fast approval
What are your special loan offerings?
Motor Power DRIVE - New Vehicles:
- 0% down payment
- 0.5% interest rate on reducing balance
- Up to 96 months to repay
- Low processing fees
- Fast approval
Festival Loans: Approval up to $5,000.00 for annual celebrations
Christmas Loan: Approval up to $25,000.00 with 12-month repayment period
Top 25 Loan: Approval for $25,000.00 broken into 4 parts with special terms
FIP Benefits & Mobile App
What are the FIP benefits?
- Coverage up to six family members
- Flexible plans
- Lifetime coverage
What can I do with the mobile app?
- Access accounts anywhere, anytime
- Pay bills online
- Top up anytime
- Free WiFi access
- Transfer between accounts

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