The Cooperative

Discover the history, values, and leadership behind Negros Oriental’s most trusted
credit and community cooperative.

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.

Our Humble Beginnings (The Story)

The journey of the Perpetual Help Community Cooperative (PHCCI) is a remarkable narrative of community spirit and shared aspirations. From its modest inception, it has grown into a cornerstone of financial support for countless individuals and families.

1971

The Spark

On April 14, 1971, PHCCI was born out of the vision of thirty-three pioneering members who believed in the power of collective effort. With an initial share capital of PHP 586.00, they laid the foundation for what would become a thriving cooperative.

1972

Official Recognition

February 18, 1972 marked a significant milestone as PHCCI gained official recognition by registering under the Cooperative Administrative Office, solidifying its commitment to serve the community under Republic Act No. 2023.

Present Day

Expanding Horizons

Today, PHCCI stands as a beacon of financial empowerment, offering innovative solutions and fostering economic growth within the community. Our commitment to excellence continues to drive us forward, ensuring a brighter future for all members.

Future

Vision for Tomorrow

As we look to the future, PHCCI remains dedicated to advancing our technological capabilities and expanding our reach, ensuring that we remain at the forefront of community development and financial innovation.

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