Join a cooperative built on mutual benefit
Membership opens with Guest status and grows into full Confirmed status within six months of steady contributions.
Who can join
Membership is open and non-discriminatory, in line with cooperative principles. To apply, you'll need:
- At least 18 years of age
- Valid means of identification (NIN and BVN)
- Active phone number and email address
- Willingness to accept cooperative membership responsibilities
- Completed application and membership fee payment
What membership unlocks
Disciplined Savings
Automatic monthly contributions build your balance steadily.
Interest-Free Loans
Access five loan products with no interest — only a processing fee.
Mobile-First Access
View balances and apply for loans from your phone, anytime.
A Voice That Counts
Confirmed members vote at the AGM and shape cooperative direction.
Two stages of membership
Guest Member
Your starting status for the first six months. You can make contributions and view your Share & Savings Account while building toward full membership.
Confirmed Member
Reached after six months of consistent contributions with zero arrears. Unlocks loan eligibility, the Investment Account, and AGM voting rights.
Registration process
Complete the Application
Fill in your personal, contact, and employment details online.
Submit Identification
Upload your NIN, a recent utility bill, and a passport photograph.
Pay the Membership Fee
A one-time ₦21,000 entrance fee plus ₦4,000 minimum savings, held pending review and refunded in full if your application isn't approved.
Admin Review
Our team verifies your documents and identification details.
Account Activation
On approval, your membership ID and accounts are created and you're notified.
Common questions about membership
A one-time entrance fee of ₦21,000 applies, alongside a ₦4,000 minimum opening balance for your Share & Savings Account.
Once your documents and payment are submitted, admin review typically takes a few working days. You'll be notified by SMS and email either way.
Guest Members can contribute and view their Share & Savings Account, but loan eligibility, the Investment Account, and AGM voting rights are reserved for Confirmed Members — reached after six months of consistent contributions.
Yes, contact us before your application is reviewed and any fee paid will be refunded in full, less any processing costs already incurred.
Your identification documents and personal information are encrypted and handled in line with the Nigeria Data Protection Act 2023. You can request a copy of your data at any time.
Ready to save with a community that saves with you?
Applications take a few minutes. KYC verification and account setup are handled for you once approved.
Fun Iserere Temi Tire — For the benefit of mine and yours