Savings & Share Capital

At Margem Credit Cooperative, we offer a range of savings products designed to help our members build financial security and achieve their goals. As a member-owned institution, your savings work for you — and for the community. Regular Savings Account Our regular savings account is the foundation of your membership. It offers: - No minimum balance requirement - Competitive interest rate of 1.50% per annum - Withdrawals available anytime during office hours - No monthly maintenance fees - Interest credited quarterly Share Capital Share capital represents your ownership stake in the cooperative. As a member, you are required to maintain a minimum share capital balance. Key features: - Minimum initial contribution: ₱1,000 - Earns dividends based on the cooperative's annual surplus - One member, one vote — regardless of share capital amount - Refundable upon resignation (subject to cooperative policies) - Builds your equity and strengthens the cooperative Savings for Specific Goals We also offer specialized savings accounts to help you plan for specific needs: - Education Savings — for your children's education - Holiday Savings — for Christmas and special occasions - Retirement Savings — for long-term financial security - Emergency Fund — for unexpected expenses Why Save with Us? Member-owned — your savings stay in the community Competitive rates — fair returns on your deposits Secure and transparent — all transactions are documented Personal service — we know our members by name Financial education — we help you make informed decisions Start saving today by visiting our office or contacting us for more information.