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Unlad PHSAVINGS & CREDIT COOPERATIVE
HERE TO HELP YOU GET STARTED

Good questions.
Clear next steps.

Find the essentials about membership, services, and your account. Need more detail? Our team can help.

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01 / JOIN THE COMMUNITY

Membership

Who can apply for membership?

Applicants must be at least 18 years old, Filipino citizens, legally able to enter into a contract, and willing to support the cooperative's objectives and bylaws. Applications are subject to review and approval. See membership qualifications.

Do I need a referral to join?

Yes. Membership applications should be endorsed by a member in good standing. If you don't know a member, contact our team for guidance on the referral process.

What is the application process?

Submit the application form and supporting documents, attend the Pre-Membership Education Seminar (PMES), and complete the membership fee and initial share capital contribution after approval. Read the full process.

What documents and fees are required?

Contact the cooperative for the current document checklist, membership fee, and initial share capital requirement before submitting your application.

Why do I need to attend the PMES?

The Pre-Membership Education Seminar explains the cooperative's principles, operations, benefits, and your responsibilities as a member. Our team can provide information about seminar schedules.

02 / PLAN YOUR NEXT STEP

Savings & loans

What financial services can I ask about?

You can inquire about member savings, loan services, and share capital contributions. Services are subject to membership, eligibility, and the applicable cooperative policies. Explore our services.

Where can I find current savings and loan terms?

Ask the cooperative for current rates, requirements, charges, and repayment terms. Our team can explain the available options before you decide to apply.

Does membership guarantee loan approval?

No. Loan applications are reviewed according to eligibility and applicable cooperative policies. Contact the team to understand the requirements for the loan you are considering.

What is share capital?

Share capital is a member's contribution to the cooperative's capital. Ask our team about the required initial contribution, member responsibilities, and the policies that apply.

03 / STAY CONNECTED

Account & support

How do I access my member account?

Go to the member login and sign in using your account credentials.

What if I have trouble signing in?

Use the contact form to describe the issue and provide an email where our team can reach you. Do not include your password or other sensitive account information.

How do I contact the cooperative?

Send your name, email address, and inquiry through our contact form. Our team will use the email you provide to respond.

YOUR NEXT CHAPTER

Let's move forward, together.

Get to know the membership process or start a conversation with our team.