Individual Membership

  • Completed Membership Application Form
  • Copy of National Identification Card (Birth Certificate for minors)
  • Passport-size photograph
  • Taxpayer Registration Card
  • Location Plan

Group / Corporate Membership

  • Application letter signed by authorized representative
  • Identification documents of designated signatories
  • Extract of minutes authorizing account opening
  • Registration certificate
  • Location plan
    • Savings Accounts
    • Fixed Term Deposits
    • Preference Share Accounts
    • Deposit Accounts
    • Salary Accounts
    • Loan Products (Consumption, Real Estate, Agricultural, Njangi, School Fees, Micro Loans, Overdrafts, etc.)
    • Internal Money Transfers
    • Cheque and Bill Discounting
    • Daily Savings Schemes
    • Public-Private Partnerships (PPP)
    • Internal Protection Scheme (IPS)
    • Member Training & Financial Education
    • Safeguarding of Valuables
    • Special Sunday and Public Holiday Services
           learn more (https://bapccul.com/services/)
  1. Security of members’ financial resources
  2. Competitive loan interest rates
  3. Annual interest on savings
  4. Bi-annual interest on preference shares
  5. Flexible deposits and withdrawals
  6. Cooperative shareholding participation
  7. Free financial counselling
  8. Insurance coverage on savings and loans
  9. Participation in decision-making
  10. Internal protection scheme
  11. Confidential handling of financial transactions

An account at BAPCCUL consists of the following components:

  1. Shares
    • Minimum: 10 shares | Maximum: 50 shares
    • Nominal value: 1,000 FCFA per share
    • Withdrawable upon account closure
  1. Preference Shares
  • Value: 100,000 FCFA per share
  • Maximum: 50 shares
  • Interest paid twice yearly
  1. Savings
  • Interest paid annually
  • Serves as primary loan security

Group Accounts

  • Withdrawals without prior notice
  • Eligible for loan facilities

Minor Accounts

  • Operated by an adult until contractual age
  • Withdrawal restrictions apply
  1. Deposits
  • Used for daily transactions
  • Withdrawable anytime
  • Minimal deposit fees apply
  • No annual interest
  1. Loans
  • Loans within shares and savings
  • Loans above shares and savings (secured by additional guarantees)
  1. ATM Services
  • 24-hour ATM access for members
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