AFLATOUN SAVINGS
A liquid savings account that can be withdrawn without notice. It is an interest-bearing account with no contractual maturity for convenient access to funds through over the counter withdrawals or day- to-day transactions.
A savings program and school-based youth organization under the youth savers club with the guardianship of OIC. It is open to all children with ages 7-17 years old that are enrolled in the identified schools of OIC-YSC.
- ₱ 20.00 starting deposit, however any amount for the succeeding deposit maybe accepted
- 2.00% interest rate per annum compounded quarterly and free of withholding tax.
- 1 year holding period starting from the date of opening an account.
BUILD SAVINGS
Help us in the construction of our branch offices and earn twice of the Regular Savings interest rate
A Special Savings Account intended for building construction of OIC branch offices.
To provide a savings account that will promote the Bayanihan concept among member-depositors in supporting the projects of the Cooperative such as construction of office buildings, while giving a competitive interest rate that is higher than the regular savings.
- ₱ 500.00 starting deposit, however any amount for the succeeding deposit maybe accepted.
- 4.00% interest rate per annum compounded quarterly and free of withholding tax.
- 1 year Holding period starting from the data of opening an account.
COMPULSORY SAVINGS
Save up today and use it as deposit counterpart when you avail of any of our loans
A Savings Account intended for Loan deposit counterpart and savings build-up. A member may opt to maintain the deposit account even if the loan account is already paid in full.
To provide a savings account that will promote the Bayanihan concept among member-depositors in supporting the projects of the Cooperative such as construction of office buildings, while giving a competitive interest rate that is higher than the regular savings.
- Starting deposit depends on the member–borrower’s required deposit counterpart
- 3.00% interest rate per annum compounded quarterly, and free of withholding tax.
- Lock-in period depends on the term of corresponding loan.
DREAM SAVINGS
We all have a lot of dreams, but we only need at least one of them to come true
A savings product that guarantees a competitive yield in one’s investment. It is designed to help members achieve their dreams.
To provide member -depositors a special savings for a dream he/she wants to attain.
- ₱ 1,000.00 starting deposit for the minimum plan, while the maximum plan is ₱ 25,000.00 per month
- 7.00% interest rate per annum compounded quarterly, and free of withholding tax.
- 5 years contract period, and cannot be used as deposit counterpart for loans.
HEALTH AND DISASTER SAVINGS
Do not let unexpected expenses or events lead you to financial ruin. Protect your family always
- ₱ 500.00 starting deposit, which may be added daily, weekly, monthly, quarterly, semi-annual or annually.
- 5.00% interest rate per annum compounded quarterly, and free of withholding tax.
- 5 years lock-in period, but can be withdrawn anytime for valid emergency reasons only.
MEMBERS’ CONTINGENCY DEPOSIT
Grow your own safety funds in case of crop failure or medical emergencies
A special savings product that earns High – Yield interest with a specified contracted term or period for farmer - members.
To prepare or provide security for farmer-members in case of crop failure or medical emergencies
- ₱ 500.00 starting deposit, which can be added daily, weekly, monthly, quarterly, semi-annual or annually.
- 5.00% interest rate per annum compounded quarterly, and free of withholding tax.
- 4 years minimum contract for 8 production, project contract amount is based on input requirement of the area or per hectare
PENSION AND RETIREMENT LONG- TERM SAVINGS PLAN
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.
- ₱ 250 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
- 9-10% interest rate per annum compounded quarterly, and free of withholding tax.
- Pension: 5 years deposit period and 5 years waiting period.
- Retirement: 10 years deposit period and 2 years waiting period.
POCKET SAVINGS
Ditch the swiping for some keeping
A special savings product that guarantees a competitive yield in one’s savings plan. It is designed to help members allocate a portion of their income to save for celebrations
To offer member-depositors a short-term smart savings plan that will help them prepare for upcoming personal or community celebrations
- Start for as low as ₱ 500 only
- 3% interest rate per annum, and free of withholding tax.
- Open up to 5 Pocket Savings account
PREFERRED DEPOSIT
Plan your next move carefully by choosing the right piece, at the right position and time
- ₱ 5,000 starting deposit, a certificate will be issued for every minimum installment
- 7.50% interest rate per annum, earning capitalized every year
- 5 years lock-in period. and can be used as deposit counterpart for loan Against Preferred Deposit
SAFE SAVINGS
Your loved one’s passport to the future can be prepared anytime today.
A savings account for member-depositor’s nominee. SAFE is an education savings account designed to help member-depositor set aside funds for future college costs.
To provide member-depositors an investment vehicle designed to encourage saving for the future higher education expenses of a designated beneficiary.
- ₱ 500.00 starting deposit, which can be added daily, weekly, monthly, quarterly, semi-annual or annually.
- 6.00% interest rate per annum compounded quarterly, and free of withholding tax.
- 5 to 10 years savings period or until nominee reaches college, whichever comes first
TIME DEPOSIT
If not now, when? #timeisgold
A special savings product that earns High-Yield interest with a specified contracted term or period.
It encourages a savings habit to members as the money deposited needs to be in the account for a period of time without making any withdrawal.
YOUTH SAVINGS
Reach your dreams, Save today!
A liquid savings account that can be withdrawn without any notice. It is an interest-bearing account with no contractual maturity for convenient access to funds through over the counter withdrawals or day- to-day transactions.
A savings program, youth organization, and a laboratory cooperative under the guardianship of OIC. It is open to all children with ages 7-17 years old.
- Start as low as ₱ 150 only
- 2.00% Interest per annum
- Open to all youth with ages between 7 to 17 years old
- 1 year holding period starting from the date of opening the account
- Earn point every time you save and redeem premium items
ATM SAVINGS
Save and pay in one card
It is an interest-bearing account with no contractual maturity which enables convenient access to funds through the Automated Teller Machine (ATM) for day-to-day transactions. An ATM Savings account can be opened for eligible persons for the purpose of payroll disbursement and convenient savings withdrawal.
- Start as low as ₱ 200 only
- 1.50% Interest per annum
REGULAR SAVINGS
Saving looks better in a passbook than inside your piggy bank.
Have a liquid savings available for inopportune times. Open a Regular Savings account now!
Start for as low as ₱100 only
- Earn up to 2% interest rate per annum.
- Only P100 maintaining balance, can be withdrawn anytime.
