Become a Member

Join our growing community and start your journey to financial freedom

Why Join Us

Member Benefits

Enjoy exclusive advantages as a Gonzaga Credit Cooperative member

Annual Dividends

Receive your share of profits through annual patronage dividends based on your share capital and transactions.

Low Interest Loans

Access affordable loans with interest rates starting at just 1% per month - much lower than banks and lending companies.

Higher Savings Rates

Earn up to 4% annual interest on your savings - significantly higher than traditional bank rates.

Free Life Insurance

All active members automatically receive free life insurance coverage worth P50,000 at no additional cost.

Ownership Rights

As a member-owner, you have voting rights in the cooperative's decisions and can participate in the General Assembly.

Financial Education

Access free seminars and training on financial literacy, business management, and personal development.

Membership Requirements

1
Age Requirement

Must be at least 18 years old. Minors can join under the Kiddie Savers program with parental consent.

2
Valid Government ID

Submit any valid government-issued ID (e.g., Driver's License, Passport, Voter's ID, PhilSys ID).

3
Proof of Address

Recent utility bill or barangay certificate showing your current address.

4
ID Photos

Two (2) recent 1x1 ID photos with white background.

5
Initial Capital

Minimum share capital contribution (see fee schedule below).

Membership Fees

Membership Fee P 500.00
Minimum Share Capital P 1,000.00
Initial Savings Deposit P 100.00
Total Initial Requirement P 1,600.00
Note:
  • Share capital can be built up over time through regular contributions
  • Recommended share capital for loan eligibility: P5,000 minimum
  • Membership fee is non-refundable
  • Share capital is refundable upon resignation
How to Apply

Application Process

Simple steps to become a member

1

Visit Our Branch

Come to any Gonzaga Credit Cooperative branch with your complete requirements.

2

Fill Out Form

Complete the membership application form with accurate information.

3

Submit & Pay

Submit documents and pay the required membership fees and initial capital.

4

Get Approved

Receive your member ID and passbook upon approval (usually same day).

Types of Membership

Membership Categories

Regular Member

For individuals 18 years old and above who want to access all cooperative services and benefits.

  • Full voting rights
  • Access to all loan products
  • Eligible for dividends
  • Free life insurance
Popular

Associate Member

For employees of member companies or organizations who want to join as a group.

  • Payroll deduction option
  • Access to most loan products
  • Employer-backed guaranty
  • Convert to regular after 1 year

Kiddie Savers

For young savers below 18 years old, with a parent or guardian as co-depositor.

  • Lower minimum balance
  • Special savings rate
  • Financial literacy activities
  • Convert to regular at 18
FAQ

Frequently Asked Questions

Anyone who is at least 18 years old, of good moral character, and willing to abide by the cooperative's bylaws can become a member. Minors can join under the Kiddie Savers program with parental consent.

Membership applications are typically processed on the same day. You will receive your member ID and passbook immediately upon approval.

New members need to maintain their membership for at least 3 months before they can apply for most loan products. However, emergency loans may be available sooner subject to approval.

Yes, your share capital and savings are fully refundable upon resignation, subject to any outstanding loan obligations and required clearances.

You can contribute to your share capital through regular deposits at any branch, payroll deduction, or by allocating a portion of your dividends to share capital.

Your membership remains active regardless of location. You can transact at any Gonzaga Credit Cooperative branch. We can also assist with transferring your account to a branch nearest to your new location.

Yes, member deposits are insured up to P500,000 through the Philippine Deposit Insurance Corporation (PDIC).

Ready to Join?

Visit any of our branches today with your requirements and start your membership journey!

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