Share Capital

An equity contribution required from a regular member which serves as the capital in the lending operation of the Cooperative. In return, the Cooperative distributes interest of the investment in the form of dividend, patronage refund and other financial incentives.

Note: For existing members as of December 31, 2024, you may get a copy of your share capital certificate.

Regular Savings Deposit

Money placements of regular members, known as “demand” or “temporary deposits,” can be withdrawn upon the depositor’s request. As a policy, PHCCI-MPC Tacloban encourages regular members to maintain a minimum balance of ₱1,000.00. Interest is computed and distributed quarterly. This type of deposit earns a tax-exempt interest rate of 1% per annum.

Time Deposit

Time Deposit placement is a voluntary deposit with a predetermined term and conditions, exclusively available to regular members. It offers a higher interest rate compared to a standard savings deposit.

ATM Savings Deposit

ATM Savings Deposit provides members with easy and secure access to their funds through a personalized ATM Card. This account allows convenient withdrawals, balance inquiries, and cashless transactions anytime through accredited ATMs under Banknet. It offers members flexibility, safety, and 24/7 accessibility for their everyday financial needs.

LabCoop Savings Deposit

Money placements of Kiddy & Y.E.S members, known as “demand” or “temporary deposits,” can be withdrawn upon the depositor’s request. As a policy, PHCCI-MPC Tacloban encourages Kiddy & Y.E.S members to maintain a minimum balance of ₱50.00. Interest is computed and distributed quarterly. This type of deposit earns a tax-exempt interest rate of 1% per annum.

LabCoop Share Capital

An equity contribution required from a Kiddy & Y.E.S member.