Hurry Up!
Open an Account Now
For as low as Php1,400 minimum deposit and fees you can now open an
account and be a part of our growing cooperative.
Our Partners
54 +
Years
of Cooperativism
The Cooperative
community-driven financial institution
At Perpetual Help Multi-Purpose Cooperative, we foster mutual growth by providing access to diverse financial products and services tailored to your needs. We also ensure financial prudence by offering minimal interest rates on loans, promoting responsible and affordable financial solutions for our members owners.
- Guaranteed dividend and patronage refund
- Enjoy a 5% rebate on interest by paying your loan dues ahead of the deadline
- Free Medical and Dental Services
- Mortuary Financial Assistance
54 +
Years
of Cooperativism
The Cooperative
community-driven financial institution
At Perpetual Help Multi-Purpose Cooperative, we foster mutual growth by providing access to diverse financial products and services tailored to your needs. We also ensure financial prudence by offering minimal interest rates on loans, promoting responsible and affordable financial solutions for our members owners.
- Guaranteed dividend and patronage refund
- Enjoy a 5% rebate on interest by paying your loan dues ahead of the deadline
- Free Medical and Dental Services
- Mortuary Financial Assistance
10,000
PHCCI-MPC Tacloban
is a cooperative financial organization owned, operated and controlled by its membership registered with the Cooperatives Development Authority (CDA). Members enjoy competitive interest rates on their loan availments, savings deposit and share with its profit thru dividend and patronage refund. Aside from financial benefits, members can avail of its social services, allied services and programs like medical and dental, kiddy and youth program and Coop Loan Protection Plan (CLPP).
Brief History
Poverty – and – the extreme desire to improve the quality of life of common man were the compelling reasons for the Redemptorist Father to make the initial steps to establish a cooperative within the Redemptorist Parish. So, on February 16, 1969 with 33 incorporators and an initial share capital of P1,201.94 PHCCI was born. Since then, PHCCI has gone a long way in terms of bigness and financial soundness. From its inception to the present, its membership has increased many times over.
The Cooperative
Financial Services
Investment & Credit
Share Capital
As a member, he is allowed to make equity contributions to the capital fund of the COOP in the form of Share Capital.
Deposit
Money placements of members with the cooperative for a certain period of time.
Loans
Short in funds for immediate needs? Apply for a loan according to your purpose and get the essential amount with PHCCI.
Our Services
We provide the best services
Perpetual Help Multi-Purpose Cooperative
We help members help themselves!
Kiddy & Y.E.S. Laboratory Cooperative
Secure their dreams with every dime saved – Invest in their future today!
PHCCI ATM Card
We are thrilled to share something special with you our brand-new ATM Card designed to make your transaction seamless and secure.
Free Medical Consultation
Good health starts here!
Our member-owners can enjoy a free medical consultation.
Our Programs
- Early Childhood Education: Nursery & Kindergarten
- Complete Elementary Education: Grades I–VI
- DepEd-aligned academic programs
- Small class sizes for personalized learning
- English, Math and Filipino enrichment
- Safe and friendly campus environment
Enrollment Requirements:
- Nursery & Kinder: PSA Birth Certificate
- Grade I: ECCD & Progress Report Card
- Grades II–VI: Progress Report Card from previous school
At Perpetual Help Multi-Purpose Cooperative, we are committed to fostering mutual growth by providing access to a wide range of financial products and services tailored to the unique needs of our members. More than just offering financial assistance, we aim to empower individuals and communities to achieve stability and long-term prosperity.
By ensuring financial prudence, we extend loans with minimal interest rates, allowing our member-owners to pursue opportunities and address their needs without the heavy burden of costly repayments.
Through these responsible and affordable financial solutions, we uphold our mission of promoting inclusive progress, strengthening financial discipline, and creating a cooperative environment where everyone benefits and grows together.
Hurry Up!
Open an Account Now
For as low as Php1,400 minimum deposit and fees you can now open an
account and be a part of our growing cooperative.
Enjoy Tax Free Deposits
& Affordable Loan Interest Rates.
Not yet a member? Attend our Pre-membership Education Seminar (PMES)
personally or online.
From Savings and Credit to a Multi-Purpose Coop., PHCCI-MPC Tacloban has evolve into a major Financial Institution, continuously providing programs and services responsive to the needs of its member owners.
Our Loan Products
Provident Loans
Loans available to members for non-income generating purpose.
- Commonly known as Regular or Multi Purpose Loan
- 1.8% per month, diminishing balance
- Monthly amortization of the loan should not exceed of the 40% NDI
- No collateral requirement for loan amounting P200,000 and below
- Max. Term: 60 months
- Intended to provide financial assistance to employed members
- 1% per month, diminishing balance
- Maximum loanable amount should not exceed 9x of the NTHP provided the amortization is equal or less than 40% of the NDI
- Max. Term: 24 months
- A long-term loan designed to help members finance the purchase, construction, or renovation of a residential property.
- 1% per annum, diminishing balance
- Loanable Amount: P1,000,000
- Max. Term: 15 years
Productive Loans
Loans available to members for income generating purpose.
- Intended to support members engaged in farming, livestock, or other agricultural enterprises
- 1.8% per month, diminishing balance
- Computed on 40% of NDI
- 200k above: Chattel Mortgage or Real Estate Mortgage
- Max. Term: 60 months
- Intended to finance the purchase of seeds, fertilizers, livestock, feeds, and other essential inputs for crop and animal production
- 1.8% per month, diminishing balance
- 200k above: Chattel Mortgage or Real Estate Mortgage
- Max. Term: 6 months
- Intended to support small-scale business owners in starting, sustaining, or expanding their livelihood activities
- 1.5% per month, diminishing balance
- Computed on 40% of NDI but not to exceed 100,000
- Max. Term: 24 months
- Intended to provide financial assistance to small and medium-sized business owners
- 1.5% per month, diminishing balance
- Computed on 40% of NDI
- 200k above: Chattel Mortgage or Real Estate Mortgage
- Max. Term: 60 months
Special Loans
Designed to cater to the specific financial needs of members. Loan products under this loan window are both covered by the provision of this loan policy and passed Board Resolution including loans granted to Directors, Officers and Staff of the Cooperative (DOS).
- Intended to help members finance the purchase of a brand-new vehicle
- 10% per annum, Annuity
- Actual unit price but not to exceed P2,000,000
- Chattel Mortgage, (OR/CR) of Purchased Vehicle
- Max. Term: 60 months
- Intended to assist members in purchasing a brand-new motorcycle
- 1.25% per month, diminishing balance
- Actual unit price but not to exceed 200,000
- Chattel Mortgage, (OR/CR) of Purchased Motorcycle
- Max. Term: 36 months
- For qualified pensioners who need immediate financial assistance
- 1.5% per month, diminishing balance
- 1st loan 5x of monthly Pension
- Collateral: ATM
- Max. Term: 18 months
- Intended to help members acquire, develop, or improve residential, commercial, or agricultural properties
- 1.25% per month, diminishing balance
- Max of 70% of the Appraised Value
- Collateral: Land Title (REM)
- Max. Term: 60 months
- A special loan privilege exclusively offered to qualified Star Members as recognition of their loyalty and good standing
- 0.5% per month, diminishing balance
- Loanable Amount: P50,000
- Max. Term: 36 months
Over The Counter Loans
For members who need immediate financial assistance and prefer a fast, walk-in application process.
- Intended for regular members with no existing loan for the last 3 months
- 0.5% per annum, diminishing balance
- Equal to the amount of Share Capital or Total Combined Deposits but not less than 10,000
- Max. Term: 5 years
- Intended to meet members’ urgent and short-term financial needs
- 0.75% per month, diminishing balance
- Equal to the amount of Share Capital or Total Combined Deposits
- Max. Term: 36 months
- Provide immediate financial relief to members
- Interest Rate: 0%
- Loanable Amount: P20,000
- Max. Term: 1 month
- Provide members with small, short-term cash assistance for minor or immediate personal expenses
- 1.5% per annum, diminishing balance
- Loanable Amount: P20,000
- Max. Term: 12 months
- Intended for members who wish to borrow against their existing time deposit
- 1% per month, diminishing balance
- 90% of Time Deposit placement
- Collateral: Time Deposit Certificate
- Max. Term: 36 months
- Intended to assist members in covering healthcare-related expenses such as hospitalization, surgery, medications, or medical procedures
- 0.83% per month, diminishing balance
- Monthly amortization of the loan should not exceed of the 40% NDI but loan gross amount not to exceed 150,000
- Max. Term: 36 months
- Intended to help members purchase essential electronic devices such as smartphones, tablets, or laptops for personal, educational, or work-related use
- 1.5% per annum, diminishing balance
- Actual price of the gadget, Maximum of 50,000
- Max. Term: 24 months
PHCCI ATM Card
Hello Dear Members!
We are thrilled to share something special with you, our brand-new ATM Card designed to make your transactions seamless and secure. With enhanced features, wider accessibility, and reliable security measures, this card empowers you to conveniently access your funds anytime, anywhere. Whether you’re withdrawing cash, shopping, or paying bills, our ATM Card ensures that every transaction is fast, easy, and worry-free.
From Savings and Credit to a Multi-Purpose Coop., PHCCI-MPC Tacloban has evolve into a major Financial Institution, continuously providing programs and services responsive to the needs of its member owners.
55 +
Years
of Cooperativism
The Cooperative
PHCCI-MPC Tacloban
is a cooperative financial organization owned, operated and controlled by its membership registered with the Cooperatives Development Authority (CDA).
Members enjoy competitive interest rates on their loan availments, savings deposit and share with its profit thru dividend and patronage refund.
Aside from financial benefits, members can avail of its social services, allied services and programs like medical and dental, kiddy and youth program and Coop Loan Protection Plan (CLPP).
How We Started
Poverty – and – the extreme desire to improve the quality of life of common man were the compelling reasons for the Redemptorist Father to make the initial steps to establish a cooperative within the Redemptorist Parish. So, on February 16, 1969 with 33 incorporators and an initial share capital of P1,201.94 PHCCI was born. Since then, PHCCI has gone a long way in terms of bigness and financial soundness. From its inception to the present, its membership has increased many times over.
At Perpetual Help Multi-Purpose Cooperative, we are committed to fostering mutual growth by providing access to a wide range of financial products and services tailored to the unique needs of our members. More than just offering financial assistance, we aim to empower individuals and communities to achieve stability and long-term prosperity.
By ensuring financial prudence, we extend loans with minimal interest rates, allowing our member-owners to pursue opportunities and address their needs without the heavy burden of costly repayments.
Through these responsible and affordable financial solutions, we uphold our mission of promoting inclusive progress, strengthening financial discipline, and creating a cooperative environment where everyone benefits and grows together.
Our Loan Products
Provident Loans
Loans available to members for non-income generating purpose.
Personal Loan
- Commonly known as Regular or Multi Purpose Loan
- 1.8% per month, diminishing balance
- Max. Term: 60 months
Alangalang
“Corner Real & Gatela Street, Alangalang, Leyte, 6517”
+63 915 5637 401
alangalang@phcci.com.ph
Dulag
“Market Site, Dulag Leyte, 6505”
0912-529-8139 | 0917-178-1522
dulag@phcci.com.ph
- Intended to provide financial assistance to employed members
- 1% per month, diminishing balance
- Maximum loanable amount should not exceed 9x of the NTHP provided the amortization is equal or less than 40% of the NDI
- Max. Term: 24 months
- A long-term loan designed to help members finance the purchase, construction, or renovation of a residential property.
- 1% per annum, diminishing balance
- Loanable Amount: P1,000,000
- Max. Term: 15 years
Productive Loans
Loans available to members for income generating purpose.
- Intended to support members engaged in farming, livestock, or other agricultural enterprises
- 1.8% per month, diminishing balance
- Computed on 40% of NDI
- 200k above: Chattel Mortgage or Real Estate Mortgage
- Max. Term: 60 months
- Intended to finance the purchase of seeds, fertilizers, livestock, feeds, and other essential inputs for crop and animal production
- 1.8% per month, diminishing balance
- 200k above: Chattel Mortgage or Real Estate Mortgage
- Max. Term: 6 months
- Intended to support small-scale business owners in starting, sustaining, or expanding their livelihood activities
- 1.5% per month, diminishing balance
- Computed on 40% of NDI but not to exceed 100,000
- Max. Term: 24 months
- Intended to provide financial assistance to small and medium-sized business owners
- 1.5% per month, diminishing balance
- Computed on 40% of NDI
- 200k above: Chattel Mortgage or Real Estate Mortgage
- Max. Term: 60 months
Special Loans
Designed to cater to the specific financial needs of members. Loan products under this loan window are both covered by the provision of this loan policy and passed Board Resolution including loans granted to Directors, Officers and Staff of the Cooperative (DOS).
- Intended to help members finance the purchase of a brand-new vehicle
- 10% per annum, Annuity
- Actual unit price but not to exceed P2,000,000
- Chattel Mortgage, (OR/CR) of Purchased Vehicle
- Max. Term: 60 months
- Intended to assist members in purchasing a brand-new motorcycle
- 1.25% per month, diminishing balance
- Actual unit price but not to exceed 200,000
- Chattel Mortgage, (OR/CR) of Purchased Motorcycle
- Max. Term: 36 months
- For qualified pensioners who need immediate financial assistance
- 1.5% per month, diminishing balance
- 1st loan 5x of monthly Pension
- Collateral: ATM
- Max. Term: 18 months
- Intended to help members acquire, develop, or improve residential, commercial, or agricultural properties
- 1.25% per month, diminishing balance
- Max of 70% of the Appraised Value
- Collateral: Land Title (REM)
- Max. Term: 60 months
- A special loan privilege exclusively offered to qualified Star Members as recognition of their loyalty and good standing
- 0.5% per month, diminishing balance
- Loanable Amount: P50,000
- Max. Term: 36 months
Over The Counter Loans
For members who need immediate financial assistance and prefer a fast, walk-in application process.
- Intended for regular members with no existing loan for the last 3 months
- 0.5% per annum, diminishing balance
- Equal to the amount of Share Capital or Total Combined Deposits but not less than 10,000
- Max. Term: 5 years
- Intended to meet members’ urgent and short-term financial needs
- 0.75% per month, diminishing balance
- Equal to the amount of Share Capital or Total Combined Deposits
- Max. Term: 36 months
- Provide immediate financial relief to members
- Interest Rate: 0%
- Loanable Amount: P20,000
- Max. Term: 1 month
- Provide members with small, short-term cash assistance for minor or immediate personal expenses
- 1.5% per annum, diminishing balance
- Loanable Amount: P20,000
- Max. Term: 12 months
- Intended for members who wish to borrow against their existing time deposit
- 1% per month, diminishing balance
- 90% of Time Deposit placement
- Collateral: Time Deposit Certificate
- Max. Term: 36 months
- Intended to assist members in covering healthcare-related expenses such as hospitalization, surgery, medications, or medical procedures
- 0.83% per month, diminishing balance
- Monthly amortization of the loan should not exceed of the 40% NDI but loan gross amount not to exceed 150,000
- Max. Term: 36 months
- Intended to help members purchase essential electronic devices such as smartphones, tablets, or laptops for personal, educational, or work-related use
- 1.5% per annum, diminishing balance
- Actual price of the gadget, Maximum of 50,000
- Max. Term: 24 months
Money placements by regular members with the cooperative are kept for a specified period and classified as either Regular Savings or Time Deposits, depending on the member’s needs and goals. Regular Savings deposits provide flexibility for everyday use and short-term plans, while Time Deposits are designed for members who wish to set aside funds for a fixed term, earning higher interest as a reward for long-term financial discipline.
Both options are governed by the cooperative’s savings policies and are subject to specific terms, conditions, and interest rates. Through these savings facilities, the cooperative ensures not only the security of members’ funds but also the availability of resources that support its lending and development programs, fostering financial growth and shared prosperity among all members.
