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Frequently Asked Questions

To open an account with us you need the following documents:

  • A valid government issued photo Identification (Drivers License, Passport, Voters Identification Card)
  • Taxpayer Registration Number (TRN)
  • A completed Reference Form
  • Proof of address (any one of the following):
    • Recent Utility Bill
    • Recent Bank/Credit Card Statement
    • Postmarked envelope
    • Address verification section of Reference Form completed, signed & stamped by a Justice of the Peace or Notary Public
  • Minimum cash of $2500


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Yes. You need to open an account which is the same thing as become a member in order to get a loan or access any of our products and services.

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There are different loan limits that our members can access. The amount you are qualified for will be based on your ability to repay.

There are also different categories of loans and that will affect the payout amount.

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Unlike other financial institutions the Credit Union shares a percentage of its yearly profits with its members. Once you are a member of the Credit Union, you also become a part owner of the institution, so you can exercise certain privileges. These privileges include voting rights to determine the Board OF Directors and other committee members.

All Credit Unions abide by the same core principles but operate independently of each other. This simply means that our product and services might be of the same nature, but you will not be able to access your account information at a different named Credit Union from the one you are a member of.

Yes. The requirements may differ however based on the type of business that you operate or the type of trade that you carry out.

No. Each member can only have one main account, but you can have sub accounts. Note that these sub-accounts would carry the same account number as the one on your main account.

No. We do not offer joint accounts, but you can have an Authorizee added to your account. This means that this second person has access to do transactions on the account except for loan applications and contractual products eg. Partner plan and Golden Harvest.

We do not offer credit cards, but we do offer debit cards. Your debit card is linked to your sure gain account and gives you access to the funds in that account.

Each member benefits from Life savings protection insurance as well as Loans Protection Insurance (LSLP). This means that the savings that you have in your shares account is insured free of cost to you, so when you die your beneficiaries receive a payout from the insurance company along with your savings.

Your loans with us up to $1.2m are also insured free of cost to you so once you die, the loan dies as well.