Little Savers. Big Futures.

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

ATM Savings Account

Purpose: A temporary deposit for convenient access.
Withdrawal: Can be withdrawn through any Bancnet ATM machine nationwide.
Interest: Earns annual interest starting at a balance of ₱2,500.01 (rates approved by the Board of Directors). Interest is computed and posted monthly.
Costs: Card cost is ₱150.00.
Maintaining Balance: ₱210.00 minimum.

Target Audience: Intended for children of members to encourage early saving (ages 6 to 17 years old).
Interest: Earns annual interest starting at ₱2,500.01 based on the ADB. Computed and posted monthly.
Fees & Balance: Requires a minimum maintaining balance of ₱500.00 plus a ₱50.00 passbook fee.

Prerequisite: Can only be set up once a member completes the minimum share capital requirement of ₱1,800.00.
Withdrawal: A temporary deposit withdrawable anytime during office hours at the teller’s counter.
Interest: Earns annual interest starting at ₱2,500.01. The rate varies depending on the Average Daily Balance (ADB), and interest is computed/posted monthly.
Maintaining Balance: ₱1,000.00 minimum.

Prerequisite: Requires the completion of the ₱1,800.00 minimum share capital.
Feature: A flexible savings deposit with a minimum term of 30 days. If money is withdrawn before the 30-day term ends, the account defaults to regular savings deposit interest rates.
Interest: Offers higher interest rates than Regular Savings for accounts maintaining an ADB of more than ₱500,000.00.

Target Audience: Tailored for members who run businesses and want to separate their commercial funds from personal savings.
Withdrawal: A temporary deposit that can be withdrawn anytime during office hours at the teller’s counter.
Interest: Earns annual interest starting at ₱2,500.01 based on the ADB. Computed and posted monthly.
Maintaining Balance: ₱500.00 minimum.

Purpose: The individual member’s capital contribution to the cooperative.
Value: ₱300.00 per share.
Withdrawal: Can only be withdrawn if the individual completely withdraws their membership from PHCCI.
Benefits: May earn returns on the investment (dividends) in the form of interest on share capital, as declared by the Board of Directors based on the previous year’s net surplus. It also serves as a baseline for determining the maximum allowable loan principal when applying for loan services.

Purpose: A child social and financial education savings program adopted through the National Confederation of Cooperatives (NATCCO) to teach children the value of money.
Scope: Implemented across various public elementary schools in areas where PHCCI operates.
Initial Deposit: Only ₱20.00 to start.

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