Transparent pricing
Rates & fees, in plain view
No surprises. Here are our savings returns and the fees you can expect — and for current loan rates, ask any branch.
Ask uscurrent loan rates
Dividendson shares
Nomonthly account fee
Published rates
Find what you need
| Loan product | Rate (p.a.) | Term | Notes |
|---|---|---|---|
| Cash Secured Loan | Contact us | Flexible | Secured by savings |
| Mortgage | Contact us | Up to 30 yrs | Up to 90% |
| Secured Farmers Loan | Contact us | Seasonal | Collateral-backed |
| Auto Loan | Contact us | Up to 10 yrs | New & pre-owned |
| Unsecured Farmers Loan | Contact us | Seasonal | No collateral |
| Unsecured Loan | Contact us | Up to 5 yrs | No collateral |
Current loan rates are available at any branch, by phone or on WhatsApp — they depend on the product, term and credit assessment.
| Account / plan | Return | Minimum | Notes |
|---|---|---|---|
| Regular Shares | Dividend declared | Any | Member ownership |
| Fixed Deposit — 6 months | Contact us | J$50,000 | Lump sum |
| Fixed Deposit — 12 months | Contact us | J$50,000 | Lump sum |
| Partner Plan | Returns paid to you | From J$500/week | 12–48 week cycles |
| Golden Harvest Plan | Contact us | Set by you | Goal saving |
| Youth Savings | Contact us | J$500 | Under 18 |
| Service | Fee |
|---|---|
| Entrance fee & permanent shares | J$1,700 |
| Monthly maintenance | No monthly fee |
| Cancel cheque | Free |
| Cheque payment over J$1M | Free |
| Coin handling | Free |
| Credit report | J$2,000 |
| Death claim processing | Free |
| Rule book | Available online |
| Status letter / bank statement | Free |
| FIP transfer fee | J$1,165 |
| Member statement (after 1st free, in branch) | Free |
| Return cheque (local & foreign) | Free |
| RTGS transfer | Free |
| ACH transfer | Free |
| Standing order set-up | J$280 |
| Wire transfer (foreign) | Free |
| In-branch withdrawal over J$200,000 | Free |
| Late payment fee | J$500 |
| Loan processing | 3% + GCT (unsecured) · 2.5% + GCT (secured) |
| Remittance collection | Per partner schedule |
GCT = General Consumption Tax. Fees are subject to change — please confirm with any branch before transacting.
Fees are per our current schedule. For current loan and savings rates, please contact any branch.
Better by design
As a member-owned credit union, we aim for lower loan rates and higher returns than the big banks.
No hidden charges
Clear, upfront fees. Ask us anything before you commit.
Know before you borrow
Use our calculators to see your exact monthly payment.
Questions on pricing?
Get the current rate for your plan
Our team will confirm today’s published rates and help you choose.