Building Financial Freedom Together

JOABAE Co-operative Credit Union provides tailored financial solutions to help you achieve your dreams. Join our community of satisfied members today.

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Financial Freedom
4+
Years of Service
2,245+
Satisfied Members
¢300,000+
Assets Managed
95%
Member Satisfaction

Why Choose JOABAE

We're committed to providing exceptional financial services with a personal touch

Competitive Rates

Enjoy lower loan rates and higher savings dividends compared to traditional banks.

Member-Owned

As a member-owned cooperative, we prioritize your financial well-being over profits.

Secured

All deposits are protected with state-of-the-art security measures.

Our Financial Services

Comprehensive solutions designed to meet all your financial needs

Child Account

Rate: 5%

Savings Account

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Rate: 0.08%

Susu Account

Shares

Rate: 5%

Afehyia Pa

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Rate: 6%

Business Acount

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Rate: 0.08%

Loan Solutions

Find the perfect loan plan for your needs with our flexible options

Calculate Your Loan

Your Loan Details

Monthly Payment GHs0.00
Total Interest GHs0.00
Total Repayment GHs0.00
Interest Rate 0.00%
Loan Term 0 months

Available Loan Plans

Choose from our variety of loan options tailored to your needs

Funeral loan Loans

Sika Sprint

monthly
Interest Rate 10.00%
Term 1 months
Penalty Rate 8.00%
Repayment Monthly

Individual Loan Loans

Sika Sprint

daily
Interest Rate 4.00%
Term 1 months
Penalty Rate 8.00%
Repayment Daily

Sika Sprint

weekly
Interest Rate 4.00%
Term 1 months
Penalty Rate 8.00%
Repayment Weekly

Double Up

daily
Interest Rate 8.00%
Term 2 months
Penalty Rate 8.00%
Repayment Daily

Double Up

weekly
Interest Rate 8.00%
Term 2 months
Penalty Rate 8.00%
Repayment Weekly

Triple Vim

daily
Interest Rate 12.00%
Term 3 months
Penalty Rate 8.00%
Repayment Daily

Triple Vim

weekly
Interest Rate 12.00%
Term 3 months
Penalty Rate 8.00%
Repayment Weekly

Quarter Cash

daily
Interest Rate 16.00%
Term 4 months
Penalty Rate 8.00%
Repayment Daily

Quarter Cash

weekly
Interest Rate 16.00%
Term 4 months
Penalty Rate 8.00%
Repayment Weekly

Ntoboase Flex

daily
Interest Rate 20.00%
Term 5 months
Penalty Rate 8.00%
Repayment Daily

Ntoboase Flex

weekly
Interest Rate 20.00%
Term 5 months
Penalty Rate 8.00%
Repayment Weekly

Anidaso Plus Plan

daily
Interest Rate 24.00%
Term 6 months
Penalty Rate 8.00%
Repayment Daily

Anidaso Plus Plan

weekly
Interest Rate 24.00%
Term 6 months
Penalty Rate 8.00%
Repayment Weekly

Business Loan Loans

Boa Me Biz Plan

monthly
Interest Rate 28.00%
Term 12 months
Penalty Rate 8.00%
Repayment Monthly

Boa Me Biz Plan

weekly
Interest Rate 28.00%
Term 12 months
Penalty Rate 8.00%
Repayment Weekly

What Our Members Say

Join thousands of satisfied members who trust JOABAE with their finances

"JOABAE Credit Union has been a game-changer for my family. Their personal loan helped us renovate our home at an interest rate much lower than banks. The staff is always friendly and helpful."
MS

Michael Smith

Member since 2018

"I've been with JOABAE for over 10 years. Their commitment to members is unmatched. When I wanted to start my small business, they provided the guidance and financing I needed to succeed."
RJ

Rebecca Johnson

Member since 2011

Ready to Achieve Your Financial Goals?

Join JOABAE Credit Union today and experience the difference of community banking

Become a Member