You become part owner of a financial institution.

You are entitled to exercise your democratic right by casting your vote at election or being elected to any one of the committees that run the organisation.

You can access credit in the form of loans at affordable interest rates.

When you borrow from a credit union, your savings remain intact so that while you pay your loan, your savings continue to grow. We call this wealth creation.

You have the convenience of saving by payroll deduction.

Your savings are entitled to Life Saving - Death Benefits up to a maximum of $25,000.00, so that in the event of your death, your beneficiaries will receive your savings as well as other benefits up to $25,000.00 based on your savings. If death is by accident this benefit would double. Plus, a funeral benefit to a maximum of $3,000.00 based on your savings in the event of death. (Age restrictions and other conditions apply.)

Your family/beneficiary is protected against hardship in the event of death, through the Loan Protection Benefits up to a maximum of $500,000.00. The loan of a deceased member is automatically written off up to the maximum stated. (Age restrictions and other conditions apply.)

In the event of temporary disability, e.g. sprain/broken limbs, the loan is repaid for you for three months up to a maximum of $3,000.00.

You have the opportunity for personal development by attending and participating in the varied and informative courses, conventions and seminars organised locally, regionally and internationally.

You have the benefit of exposure to the world of business by becoming involved in the management/supervisory/credit committees of your credit union.

You are entitled to member discounts from the Co-operators General Insurance Co. Ltd. when purchasing insurance coverage for home or vehicle.

Finally, you become one of the millions of persons around the world who participate in this great Movement of Social and Economic Justice.

U.W.I. (Cave Hill) Co-operative Credit Union Ltd
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