Ghana Co-Operative Credit Union Association
Your Credit Union Membership
Discover the exclusive benefits, services, and opportunities available to Credit Union members across Ghana.
Why Membership Matters
As a Credit Union member, you're not just a customer - you're an owner with exclusive access to benefits designed to improve your financial wellbeing.
Low-Interest Loans
Access competitive loan rates significantly lower than traditional banks
- Personal loans from 8-12% annually
- Business loans from 10-15%
- Emergency loans available
- Quick approval process
Profit Sharing
Receive annual dividends based on your shares and participation
- Annual dividend payments
- Based on Credit Union profits
- Proportional to your shares
- Typical rates: 10-20%
Deposit Protection
Your savings are protected through the CUA guarantee scheme
- Deposit guarantee coverage
- CUA protection fund
- Regulated oversight
- Secure financial environment
Democratic Governance
Have a voice in Credit Union decisions through voting rights
- One member, one vote
- Elect Board of Directors
- Annual General Meetings
- Transparent operations
Comprehensive Financial Services
Access a full range of financial products and services designed specifically for Credit Union members.
Savings Accounts
Flexible savings options with competitive interest rates
- Regular savings
- Target savings
- Children's savings
- Business savings
Loan Services
Various loan products tailored to member needs
- Personal loans
- Business loans
- Emergency loans
- Asset financing
Financial Education
Training and workshops to improve financial literacy
- Money management
- Business planning
- Investment advice
- Retirement planning
Member Support
Dedicated support services for all members
- Customer service
- Financial counseling
- Dispute resolution
- 24/7 assistance
Your Rights as a Member
Equal voting rights in all Credit Union decisions
Access to all Credit Union services and products
Transparent information about Credit Union operations
Fair treatment and non-discriminatory service
Participation in profit sharing through dividends
Democratic election of Credit Union leadership
Access to financial education and training programs
Protection of personal and financial information
Your Obligations
Share Capital
One-timeInitial share purchase to become a member
Minimum GH¢ 50
Regular Savings
MonthlyMinimum monthly savings contribution
GH¢ 20+ monthly
Meeting Attendance
AnnualParticipate in Annual General Meetings
As required
By-law Compliance
OngoingFollow Credit Union rules and regulations
Always
Member Resources
Access helpful resources and tools to make the most of your Credit Union membership.
Member Handbook
Download the complete guide to Credit Union membership
Meeting Schedule
View upcoming meetings and important dates
Member Support
Get help with your account or services