- 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
- Security of members’ financial resources
- Competitive loan interest rates
- Annual interest on savings
- Bi-annual interest on preference shares
- Flexible deposits and withdrawals
- Cooperative shareholding participation
- Free financial counselling
- Insurance coverage on savings and loans
- Participation in decision-making
- Internal protection scheme
- Confidential handling of financial transactions
An account at BAPCCUL consists of the following components:
- Shares
- Minimum: 10 shares | Maximum: 50 shares
- Nominal value: 1,000 FCFA per share
- Withdrawable upon account closure
- Preference Shares
- Value: 100,000 FCFA per share
- Maximum: 50 shares
- Interest paid twice yearly
- 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
- Deposits
- Used for daily transactions
- Withdrawable anytime
- Minimal deposit fees apply
- No annual interest
- Loans
- Loans within shares and savings
- Loans above shares and savings (secured by additional guarantees)
- ATM Services
- 24-hour ATM access for members
