A member is eligible for a loan once they have met the requirement. Members may borrow up to 10 times their Shares depending on the loan types. Interest rates on loans are very competitive and vary according to the share ratio. All interest rates are calculated monthly on the reducing balance. Once you are borrowing more than you have saved, collateral (security) may be required for the loan.  

For those very difficult times when the money cannot be found to cover final expenses for you and your loved ones, we will help you through it with the Family Indemnity Plan (F.I.P.) through Cuna Mutual Insurance Society.  The plan covers you the member and five other family members for one affordable monthly payment - this is the only plan of its kind in Jamaica. There are five plans, namely:

Individual Benefit
Monthly Premium
Plan A
J$ 80,000.00
J$ 384.00
Plan B
J$ 120,000.00
J$ 576.00
Plan C
J$ 150,000.00
J$ 720.00
Plan D
J$ 250,000.00
J$ 1,200.00
Plan E
J$ 400,000.00
J$ 1,920.00


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