Start Them Young: Aflatoun Savings for Future-Smart Kids!

Give your child the gift of financial literacy and a brighter tomorrow with the Aflatoun Savings account – OIC’s youth-friendly deposit product designed to build money-wise habits early on!

• Open to all children ages 7-17 enrolled in identified OIC-YSC partner schools
• Start with as little as ₱20.00
• Earn 2.00% interest per annum, compounded quarterly
• With a 1-year lock-in to help develop a saving discipline
• Enjoy easy access to funds through over-the-counter withdrawals after lock-in

Because it’s never too early to teach kids how to save wisely – with OIC, financial freedom begins at any age.

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

Turn Your Dreams Into Reality.

Dreams don’t have to stay dreams. Whether you’re saving for a new home, your child’s education, or an exciting adventure, those dreams can come true right here
#WhereFinancialFreedomBegins

• Starting deposit: ₱1,000.00 (minimum) to ₱25,000.00 per month.
• 7.00% interest per annum, compounded quarterly.
• 5-year contract period for long-term wealth building.

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

Face life’s challenges with confidence.

Be financially prepared, not scared! Start building a disaster-resilient life today with OIC’s Health and Disaster Savings. This savings plan is designed to ensure that you and your family have the resources needed to recover and rebuild after any disaster or health crisis

• Open with ₱500.00 and add funds anytime.
• 5.00% interest per annum, compounded quarterly.
• FREE Property Emergency Tragedy Insurance up to ₱7,500.00 upon reaching ₱5,000.00

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

No need to wait for ruby to retire early

A special savings product that earns High-Yield interest with a specified contracted term or period.

To prepare or secure the member’s future that at the time of retirement age in which the member is not qualified nor fit to work or chooses not to work has a special savings that can be used for the impending financial requirement such as the basic needs, medicines, recreation, and among others.

Minimum Opening Deposit: ₱250.00 starting deposit, which may be added daily, weekly, bi-monthly, monthly, quarterly, semi-annually, and annually based on the affordability and convenience of the member

Interest Rate: 9-10% per annum compounded quarterly

Lock-in Period: Pension Savings 5 years deposit period and 5 years waiting period Retirement Savings 10 years deposit period and 2 years waiting period

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

For Life’s Joyful Moments: Ditch the swiping. Start keeping.

Whether it’s for birthdays, holidays, or special surprises for your loved ones – Pocket Savings helps you set aside a little now for the celebrations that matter most.

•  Start with just ₱500.00
• Save up to ₱2,000 per month
• Earn 3% interest per annum, compounded quarterly
• Open up to 5 Pocket Savings accounts – a pocket for every purpose!
• With OIC Pocket Savings, you’re not just saving money – you’re saving memories in the making. Because when the time to celebrate comes, your pockets are ready.

Plan the joy. Pocket the savings.

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

Invest in Your Child’s Future SAFELY

Secure your child’s education with our SAFE Plus – a dedicated fund that grows with a compounding interest and insurance coverage.
Whether you’re saving for your child, grandchild, niece, or nephew, you’re giving them a head start on their dreams. This is a powerful way to ensure their success. Secure their future today – because the best gift for your young ones is a foundation of financial freedom.

• Start with ₱500.00 to secure your child’s future.
• 6.00% annual interest, compounded quarterly.
• Includes life insurance and education savings benefits up to ₱250,000.00

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

Because Time is Gold: When you value your time, you value your future.

Turn patience into profit with OIC’s Time Deposit – a savings plan that rewards you for holding on.

• High-Yield Interest Rates
• The longer you save, the more you earn – up to 4.75% interest per annum!
• Minimum deposit of just ₱5,000
• Choose your term: 90 days, 180 days, or 365 day
• No withdrawals during the lock-in period – perfect for intentional saving.

Whether you’re building up for a big goal or securing tomorrow today, our Time Deposit helps you grow with purpose.
Because if not now… when?

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

A Legacy of Love and Security for Our Modern-Day Heroes: For our fellow Filipinos working hard abroad, it’s time to let your hard-earned money work for your future.

With KABAYANI SAVINGS, you don’t just save – you invest in your dreams, protect your loved ones, and build a solid financial foundation.

• Start with just ₱5,000
• Deposit as low as ₱2,000/month
• Earn 5% p.a. interest – tax-free!
• Enjoy up to ₱25,000.00 life insurance coverage once you reach ₱10,000 balance Locked in for 5 years – to secure your long-term plans

Because being a Kabayani means thinking ahead. Secure your future, grow your funds, and honor your sacrifices.

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.