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Financial products
Loans, savings and welfare services designed around aviation pay schedules.
Loans
Loans are released to active members in good standing and can be paid by salary deduction.
Emergency loan
Fast cash for urgent needs such as hospital bills or calamity repairs.
- Interest: from 0.83% a month
- Maximum: [₱0]
- Approval: typically 24 to 48 hours
Multi-purpose loan
For education, home improvement, travel or other personal needs.
- Interest: from 0.83% a month
- Maximum: up to ₱2,000,000 depending on capital and capacity
- Term: 6 to 60 months
Savings, capital and welfare
Capital share investment
Every member owns shares. Your capital earns an annual dividend when the General Assembly approves it, and it increases the amount you can borrow.
- Minimum initial capital: [₱0]
- Dividend: set each year by the General Assembly
Time deposits and provident savings
Fixed-term deposits and long-term savings with a rate agreed in advance.
- Rate: up to 6.5% a year
- Minimum deposit: [₱0]
- Terms: [3, 6, 12 months]
Mutual aid and welfare fund
Support for members and their families during medical and family emergencies.
- Medical reimbursement
- Hospitalization assistance
- Bereavement benefit
Other services
[Add any other services, such as insurance, remittance or bill payment.]
Loan requirements
Basic requirements
- Active membership in good standing
- Completed loan application form
- Valid government or agency ID
- Latest payslip
Good to know
- No processing fee for active members
- Payments can be deducted from your salary
- Rates and terms are confirmed at approval
Frequently asked questions
Who can borrow?
Active members in good standing who have completed their capital subscription.
How is the interest computed?
Our calculator uses a reducing balance, so interest falls as you pay. Final computation is shown in your loan agreement.
How do I apply?
Sign in to the member portal, fill in the form and upload your documents.
When is the dividend paid?
After the General Assembly approves it. Announcements appear in the cooperative bulletin.
Not a member yet?
Four steps to start using these services.