Our institution offers loan and investment products that caters to uniform personnels and

civilian employees under Department of National Defense and Philippine National Police. Our

main loan product is called consumption loan which includes Salary Loan, Multi-purpose Loan

and Emergency Loan with nominal interest rate ranging from 6.80% to 8.25% with terms from 1

year up to 5 years. Maximum loan amount for each type of loan is 1.2 million pesos. Another loan

product offered is called Back to Back Loan for easier availment of loan with fixed interest rate

of 13.5% annual interest with terms 1 day up to a maximum term of 1 year. We also offer

collateral loans like Car loan with nominal interest rate from 4.39% to 6.33% payable in 1 to 6

years.

With regards to investment products, we offer Capital Contribution, Savings Deposit and

Time Deposit. Capital Contribution investment earns annual dividend rate ranging from 15.5% to

17% depending on the income of the company. Saving deposit earns fixed annual interest rate of

3% based on average daily balance. Time Deposit investment earns interest from 5% to 7% with

maximum term of 5 years.

In order to avail all this loan and investment products, a person must be a qualified

member. He/She must be an active or retired member of the Armed Forces of the Philippines

and Philippine National Police. Member can also be civilian employees under the Department of

National Defense. For membership application, they must fill up necessary documents and

present 2 Valid IDs including there military or police ID and payslip.