Our Services
Comprehensive financial solutions designed to help you achieve your goals
Financial Services for Every Need
From savings to loans, we have the right product for you
Savings Account
Grow your wealth with our competitive savings account options. Whether you're saving for a rainy day or building your future, our savings products offer flexibility and attractive interest rates.
Types of Savings Accounts:
- Regular Savings - Start with as low as P100
- Time Deposit - Higher rates for fixed terms
- Kiddie Savings - For members below 18
- Share Capital - Earn annual dividends
- Special Savings - For specific purposes
- Group Savings - For organizations
Interest Rates:
- Regular Savings: 2% per annum
- Time Deposit (6 months): 3% per annum
- Time Deposit (1 year): 4% per annum
- Share Capital: Variable dividends (historical average: 8-12%)
Loan Products
We offer a variety of loan products with competitive interest rates and flexible payment terms to help you achieve your goals and handle life's emergencies.
Available Loan Types:
- Regular Loan - General purpose, up to 3x deposit
- Emergency Loan - Quick approval for urgent needs
- Educational Loan - Support for tuition and school expenses
- Appliance Loan - Household appliances financing
- Business Loan - Capital for entrepreneurs
- Housing Loan - Home purchase or renovation
- Multi-Purpose Loan - Flexible use with collateral
- Salary Loan - Based on monthly income
Loan Requirements:
- Must be a member in good standing for at least 3 months
- Minimum share capital of P5,000
- Valid government-issued ID
- Proof of income (for salary/business loans)
- Co-maker for amounts above P50,000
Insurance Products
Protect yourself and your loved ones with our comprehensive insurance coverage. We partner with reputable insurance providers to offer you affordable premiums and reliable protection.
Insurance Coverage:
- Life Insurance - Financial protection for beneficiaries
- Loan Protection - Coverage for outstanding loans
- Accidental Death - Additional coverage for accidents
- Medical Assistance - Hospitalization benefits
- Retirement Plan - Long-term savings protection
- Family Coverage - Extended protection for dependents
Key Benefits:
- Free basic life insurance for active members (P50,000 coverage)
- Affordable premium rates starting at P500/year for additional coverage
- Fast claims processing within 5-7 business days
- Optional riders for enhanced protection
Remittance Services
Send and receive money locally and internationally through our remittance partner networks. Fast, secure, and affordable money transfer services for our members.
Remittance Partners:
- Western Union
- Cebuana Lhuillier
- Palawan Express
- M Lhuillier
- LBC Remittance
- Direct bank transfers
Service Features:
- Competitive exchange rates for foreign remittances
- Same-day processing for local transfers
- Direct credit to member accounts available
- SMS notification upon receipt
Bills Payment
Pay your utility bills and other obligations conveniently at any Gonzaga Credit Cooperative branch. Save time and avoid late payment penalties with our bills payment facility.
Accepted Billers:
- Meralco
- Maynilad
- Manila Water
- PLDT
- Globe
- Smart
- SSS
- PhilHealth
- Pag-IBIG
Service Features:
- Minimal service fee (P10-20 per transaction)
- Real-time posting for most billers
- Official receipt provided
- Automatic debit from member account available
Current Interest Rates
Competitive rates for all our products
Savings Interest Rates
| Product | Rate (per annum) |
|---|---|
| Regular Savings | 2.0% |
| Time Deposit (3 months) | 2.5% |
| Time Deposit (6 months) | 3.0% |
| Time Deposit (1 year) | 4.0% |
| Special Savings | 2.5% |
Loan Interest Rates
| Product | Rate (per month) |
|---|---|
| Regular Loan | 1.5% |
| Emergency Loan | 1.5% |
| Educational Loan | 1.0% |
| Business Loan | 1.5% |
| Housing Loan | 1.25% |
* Rates are subject to change. Please contact us for the most current rates.
Ready to Get Started?
Visit any of our branches or contact us to learn more about our services.