Products & Services

When life calls for capital, your cooperative answers.

Named products. Named requirements. Member-friendly terms. Never predatory.

Section A — Required Deposits

Your money does two things at once: it owns and it earns.

Two deposits make you an owner-member, not just a customer. Associate Members start with a Savings Wallet and Purchase Wallet instead. See the Associate Member entry tier.

A.1 — Share Capital

Your seat at the table.

₱20,000 minimum

What it is: Your ownership stake in the cooperative. What makes you an owner, not a customer.
What it earns: Dividends, declared at the General Assembly based on the cooperative's annual surplus.
Payment options: May be paid in full upon membership, or in installments per coop policy.
When you can withdraw: Upon withdrawal of membership, in accordance with the bylaws and applicable cooperative laws.

Why it matters: Share capital is the difference between a member and a customer.

A.2 — Regular Savings

The safety net beneath your family.

₱1,000 minimum to earn interest

What it is: A liquid savings account inside the cooperative. The money is yours, accessible to you, and growing.
What it earns: Interest, set by the cooperative's board based on prevailing financial conditions and member benefits.
Withdrawals: Available anytime, fully digital.

Why it matters: The money that meets emergencies, school fees, and small dreams.

Section B — Loan Products

When life calls for capital, your cooperative answers.

Available to Members in Good Standing. Reviewed for purpose, capacity, and relationship. Member-friendly. Never predatory.

B.1 — Business Loan

The first ₱10,000 of capital.

Who it is for: Members starting or growing a livelihood: a sari-sari store, a tricycle, a small farm, a buy-and-sell, a service venture.
What it funds: Inventory, equipment, working capital, expansion.
Eligibility: Member in Good Standing.
Terms: Member-friendly. Specific rates, ceilings, and tenors are governed by loan policy and disclosed in simple words at application.
Application: Fully digital, with optional support from your Coop Outlet officer.

Why it matters: The first ₱10,000 of capital is often the difference between an idea and an income.

B.2 — Personal Loan

When unexpected life happens.

Who it is for: Members facing tuition, medical expenses, family emergencies, or planned personal needs.
What it funds: Tuition, hospital bills, family emergencies, planned personal needs.
Eligibility: Member in Good Standing.
Terms: Member-friendly. Specific rates, ceilings, and tenors are governed by loan policy and disclosed in simple words at application.
Application: Fully digital, with optional support from your Coop Outlet officer.

Why it matters: An unexpected hospital bill should not force a family to choose between health and dignity.

Eligibility for both loan products requires Member in Good Standing status.

Section C — Member Services

When tragedy comes (and it will), you do not stand alone.

C.1 — Bayanihan Mutual-Aid Bereavement Assistance

Cash assistance and coordinated community support when a member loses an immediate family member, or when a member passes.

Bereavement cash assistance and coordinated funeral support
For every member and their immediate family
Fully digital filing. Minimal documentation
A funeral should never become a debt. Bayanihan ensures it never does.

C.2 — Accidental Insurance

Coverage when a member is injured or incapacitated due to an accident.

Defined accidental injury and related benefits, per coverage policy
For every active member
Fully digital filing through your Coop Outlet or member portal
The cooperative absorbs the shock so the member can heal.

Section D — How to Avail

Three steps. Fully digital. Hassle-free.

Confirm you are a Member in Good Standing.

Visit How to be MIGS to check the four conditions.

Apply through the member portal or your nearest Coop Outlet.

Online or in person. Your choice. We will meet you where it works for you.

Receive the proceeds, file the claim, or activate the service.

All digital, all hassle-free.

Ready to put your money to work?

Become a Member today and unlock every product designed for the next chapter of your family's life.

Become a Member Talk to a Coop Outlet Officer

Products & Services

When life calls for capital, your cooperative answers.

Named products. Named requirements. Member-friendly terms. Never predatory.

Section A — Required Deposits

Your money does two things at once: it owns and it earns.

Two deposits make you an owner-member, not just a customer. Associate Members start with a Savings Wallet and Purchase Wallet instead. See the Associate Member entry tier.

A.1 — Share Capital

Your seat at the table.

₱20,000 minimum

What it is: Your ownership stake in the cooperative. What makes you an owner, not a customer.
What it earns: Dividends, declared at the General Assembly based on the cooperative's annual surplus.
Payment options: May be paid in full upon membership, or in installments per coop policy.
When you can withdraw: Upon withdrawal of membership, in accordance with the bylaws and applicable cooperative laws.

Why it matters: Share capital is the difference between a member and a customer.

A.2 — Regular Savings

The safety net beneath your family.

₱1,000 minimum to earn interest

What it is: A liquid savings account inside the cooperative. The money is yours, accessible to you, and growing.
What it earns: Interest, set by the cooperative's board based on prevailing financial conditions and member benefits.
Withdrawals: Available anytime, fully digital.

Why it matters: The money that meets emergencies, school fees, and small dreams.

Section B — Loan Products

When life calls for capital, your cooperative answers.

Available to Members in Good Standing. Reviewed for purpose, capacity, and relationship. Member-friendly. Never predatory.

B.1 — Business Loan

The first ₱10,000 of capital.

Who it is for: Members starting or growing a livelihood: a sari-sari store, a tricycle, a small farm, a buy-and-sell, a service venture.
What it funds: Inventory, equipment, working capital, expansion.
Eligibility: Member in Good Standing.
Terms: Member-friendly. Specific rates, ceilings, and tenors are governed by loan policy and disclosed in simple words at application.
Application: Fully digital, with optional support from your Coop Outlet officer.

Why it matters: The first ₱10,000 of capital is often the difference between an idea and an income.

B.2 — Personal Loan

When unexpected life happens.

Who it is for: Members facing tuition, medical expenses, family emergencies, or planned personal needs.
What it funds: Tuition, hospital bills, family emergencies, planned personal needs.
Eligibility: Member in Good Standing.
Terms: Member-friendly. Specific rates, ceilings, and tenors are governed by loan policy and disclosed in simple words at application.
Application: Fully digital, with optional support from your Coop Outlet officer.

Why it matters: An unexpected hospital bill should not force a family to choose between health and dignity.

Eligibility for both loan products requires Member in Good Standing status.

Section C — Member Services

When tragedy comes (and it will), you do not stand alone.

C.1 — Bayanihan Mutual-Aid Bereavement Assistance

Cash assistance and coordinated community support when a member loses an immediate family member, or when a member passes.

Bereavement cash assistance and coordinated funeral support
For every member and their immediate family
Fully digital filing. Minimal documentation
A funeral should never become a debt. Bayanihan ensures it never does.

C.2 — Accidental Insurance

Coverage when a member is injured or incapacitated due to an accident.

Defined accidental injury and related benefits, per coverage policy
For every active member
Fully digital filing through your Coop Outlet or member portal
The cooperative absorbs the shock so the member can heal.

Section D — How to Avail

Three steps. Fully digital. Hassle-free.

Confirm you are a Member in Good Standing.

Visit How to be MIGS to check the four conditions.

Apply through the member portal or your nearest Coop Outlet.

Online or in person. Your choice. We will meet you where it works for you.

Receive the proceeds, file the claim, or activate the service.

All digital, all hassle-free.

Ready to put your money to work?

Become a Member today and unlock every product designed for the next chapter of your family's life.

Become a Member Talk to a Coop Outlet Officer