Deposit Products
Aflatoun Savings
Purpose: Build financial literacy and savings habits for children enrolled in OIC-YSC partner schools.
👧👦 For: Children ages 7–17
💰 Minimum: ₱20.00 opening deposit
📈 Interest: 2.00% per annum, compounded quarterly
🔒 Lock-in: 1 year
ATM Savings
Purpose: Everyday savings with instant ATM access for withdrawals, shopping, and bill payments anytime, anywhere.
💰 Minimum: ₱200.00 to open
📈 Interest: 1.5% per annum
🏧 Access: 24/7 via ATM
Build Savings
Purpose: Help build OIC branch offices while growing your own savings with double the interest of a regular account.
💰 Minimum: ₱500.00
📈 Interest: 4.00% per annum, compounded quarterly
🔒 Lock-in: 3 years
Common Share
Purpose: Become an OIC member-owner — with a voice in decision-making, a share in profits, and access to all OIC products.
💰 Minimum: ₱200.00 (build up to ₱3,000 full membership)
📈 Benefit: Tax-free interest on Share Capital
🔸 Perks: Voting rights, profit share, full product access
Compulsory Savings Deposit
Purpose: Deposit counterpart for OIC loan availment — builds financial discipline and continues to grow even after full loan payment.
💰 Starting deposit: Based on required loan counterpart
📈 Interest: 3.00% per annum, compounded quarterly
🔒 Lock-in: Matches your loan term
Dream Savings
Purpose: Long-term wealth building for major life goals — a new home, your child’s education, or an exciting adventure.
💰 Deposit: ₱1,000 – ₱25,000 per month
📈 Interest: 7.00% per annum, compounded quarterly
🕒 Term: 5-year contract period
Health And Disaster Savings
Purpose: Build a disaster-resilient fund for health crises, emergencies, and recovery needs.
💰 Minimum: ₱500.00 (add anytime)
📈 Interest: 5.00% per annum, compounded quarterly
🛡️ Bonus: FREE Property Emergency Tragedy Insurance for ₱5,000+ balance
Kabayani Savings
Purpose: Long-term savings for OFWs — invest in your dreams, protect loved ones, and build a solid financial foundation from abroad.
💰 Starting: ₱5,000 (add ₱2,000/month minimum)
📈 Interest: 5.00% per annum — tax-free!
🎁 Bonus: Life insurance upon reaching ₱10,000 balance
🔒 Lock-in: 5 years
Member Contingency Deposit
Purpose: Safety net for farmer-members against crop failure, medical needs, and sudden financial setbacks.
💰 Starting: ₱500.00 (add daily, weekly, monthly, or annually)
📈 Interest: 5.00% per annum, compounded quarterly
🔒 Lock-in: 4 years minimum (8 production/project cycles)
PEARLS Savings
Purpose: Pension and Retirement Long-Term Savings — prepare for retirement and enjoy life’s later chapters with financial security.
💰 Starting: ₱250.00
📈 Interest: 9–10% per annum, compounded quarterly
🕒 Plans: Pension (5 years) or Retirement (10 years)
Pocket Savings
Purpose: Set aside money now for birthdays, holidays, and special celebrations — a dedicated pocket for every joyful moment.
💰 Starting: ₱500.00 (save up to ₱2,000/month)
📈 Interest: 3.00% per annum, compounded quarterly
🧾 Perk: Open up to 5 Pocket Savings accounts
Preferred Deposit
Purpose: High-yield savings that can also be used as loan collateral — for members who want to grow money strategically and securely.
💰 Starting: ₱5,000.00 per installment (certificate issued)
📈 Interest: 7.50% per annum, capitalized yearly
🏦 Bonus: Can be used as collateral for OIC loans
SAFE Plus
Purpose: Savings Annuity for Future Education — secure your child’s education with compounding interest and insurance coverage.
💰 Starting: ₱500.00
📈 Interest: 6.00% per annum, compounded quarterly
🎓 Bonus: Life insurance + education savings up to ₱250,000
Time Deposit
Purpose: Turn patience into profit — lock in your savings for a fixed term and earn the highest savings interest rates.
💰 Minimum: ₱5,000.00
📈 Interest: Up to 4.75% per annum
⏱ Terms: 90, 180, or 365 days
🚫 Note: No withdrawals during lock-in period
Youth Savings
Purpose: Teach young members financial responsibility with a flexible savings account with no maturity period and a rewards program.
👦🏻👧🏼 For: Kids aged 7–17 years old
💰 Minimum: ₱150.00 to open
📈 Interest: 2.00% per annum
🎁 Perk: Rewards program — earn points and redeem cool items!
📞 For inquiries and deposit account opening, please visit www.orointegrated.coop or contact your nearest OIC branch. All deposit products are subject to OIC policies and applicable terms.
