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The Most Reliable Cooperative in Negros Oriental

Perpetual Help Community Cooperative (PHCCI), formerly known as Perpetual Help Credit Cooperative, Inc. was organized on April 14, 1971 by thirty three (33) pioneer members with a starting share capital of PHP586.00, and was later registered with Cooperative Administrative Office on February 18, 1972 under Republic Act No. 2023.

Build Their Tomorrow, Starting Today.

Secure Your Child’s Future with Our New Junior Depositor Account

Save a Present for Future You!

Ready to make your hard-earned money work smarter, not harder?
Introducing PHCCI Prime Savings—our newest Prime Time Deposit
designed to supercharge your savings with maximum returns!

More than a member—you’re an owner.

PHCCI belongs to the very people it serves, meaning our profits return directly
to you in dividends and better rates. Experience a financial institution
where your voice actually matters.

Support your community.

Every peso you save earns competitive interest while simultaneously
funding the dreams of your fellow members.

Affordable funds when you need them most.

We offer highly competitive, budget-friendly interest rates designed
to ease your financial burdens rather than add to them.

Core Products

Apply for a Loan

Resources

Online PMES

Become a Member

Prime Time Deposits

  • High Returns: Enjoy up to 6.75% TAX-FREE Interest—giving you the absolute best rates for your money!

  • Budget-Friendly: Start growing your wealth with a Low Minimum Deposit starting at just PHP 5,000.

  • Flexible Terms: Choose from Different Length Options tailored to your goals, ranging from 3 months to 5 years.

  • Exclusive Tiers: Choose the level that fits your journey—Silver, Gold, or Platinum Prime Savings!

Members

LOANS REQUESTED

LOANS APPROVED

NEED ASSISTANCE?

Don’t hesitate to make a phone call.
Your inquiries are our utmost priority.

Telephone

(035) 420-1800

Email

complaints@phcci.coop

Main Office

San Jose Ext., Taclobo,
Dumaguete, 6200
Negros Oriental

Hours

Monday-Saturday:
8:30am – 5:30pm

CORE PRODUCTS AND SERVICES

SAVINGS

Deposit your savings in PHCCI, a trusted credit cooperative dedicated to your financial growth. We offer you various savings accounts tailored to meet your unique needs and lifestyle. By choosing to save with us, you will enjoy competitive interest rates that help your money grow faster. Start your saving goals now and take control of your financial future today.

LOANS

Short in funds for immediate needs? Apply for a loan according to your purpose and get the essential amount with PHCCI. As a member-owned credit cooperative, we offer flexible terms and competitive interest rates tailored to fit your budget. Whether you are funding an emergency, a business venture, or a personal milestone, we are here to support your journey. Apply today and let us help you bridge the gap to your financial goals.

EDUCATIONAL LOAN

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PERSONAL LOAN

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EMERGENCY LOAN

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CALAMITY LOAN

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AUTO LOAN

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BUSINESS LOAN

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REGULAR LOAN

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We are now on Mobile!

PHCCI offers affordable loan interest rates.

Acquire this budget friendly loan interest. Not yet a member? Attend our Pre-membership Education Seminar (PMES) personally or online.

Quick Help & Support

Your inquiries are our utmost priority. Reach out to our dedicated support team directly by phone, or download our mobile app to transact contactlessly.

You may also use our form to send us your inquiries.

Core Products

Apply for a Loan

Resources

Online PMES

Become a Member