Open an Account with JOABAE

Join our community in 3 simple steps: Apply → Make Secure Deposit via MTN MoMo, Hubtel, or Paystack → Get Activated via SMS!

1
Fill Application
2
Secure Payment
3
SMS Activation

Step 1: Account Application Form

SMS Notification: You will receive SMS updates at every step of your application process. Standard SMS charges may apply.

Personal Information

SMS updates will be sent to this number
Must be 18 years or older

Identification Details

Accepted: JPG, PNG, PDF (Max 5MB). We'll validate your document automatically.
Utility bill, bank statement, etc. (Max 5MB)

Account Selection & Initial Deposit

Important: You must complete the payment to activate your application. The payment will be processed securely via MTN MoMo, Hubtel, or Paystack.
Minimum deposit: GH₵10.00

Payment Gateway Selection

Deposit Amount: GH₵50.00
Gateway Fee: GH₵0.50
Business Fee (GH₵10): GH₵10.00
Total Fees: GH₵10.50
Total to Pay: GH₵60.50
Total Amount (Deposit + All Fees): GH₵60.50

Fee Structure

All payments include:

  • ✓ Gateway fee (charged by payment provider)
  • ✓ GH₵10 business processing fee
1
Select Method
2
Make Payment
3
Verification
4
SMS Confirmation

Next of Kin Information

Terms & Conditions

After submission, you'll be guided to complete your payment

Fields marked with * are required

Application & Payment Process

Step 1: Application

  • Fill out the application form completely
  • Upload required documents
  • Receive SMS confirmation immediately
  • Get unique application number
  • Application status: Pending Payment

Step 2: Secure Payment

  • Choose MTN MoMo, Hubtel, or Paystack
  • Gateway fee + GH₵10 business fee applies
  • Complete payment on your phone
  • Payment is instantly verified
  • Receive payment confirmation SMS
  • Status changes to "Under Review"

Step 3: SMS Activation

  • Admin reviews application & verifies payment
  • Account created in banking system
  • Receive SMS with client number
  • Get SMS with login credentials
  • Access online banking immediately

Fee Summary

MTN MoMo:
  • ✓ Gateway: 1.0%
  • ✓ Business: GH₵10.00
  • ✓ Total: 1.0% + GH₵10
Hubtel:
  • ✓ Gateway: 1.5% (min 0.50)
  • ✓ Business: GH₵10.00
  • ✓ Total: 1.5% + GH₵10
Paystack:
  • ✓ Gateway: 1.5% + 0.50
  • ✓ Business: GH₵10.00
  • ✓ Total: 1.5% + GH₵10.50

Our Financial Services

Comprehensive solutions designed to meet all your financial needs

Afehyia Pa

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Rate: 0.5%

Business Acount

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Rate: 0.08%

Child Account

Rate: 5%

Savings Account

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Rate: 0.08%

Shares

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Susu Account

Loan Solutions

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

Calculate Your Loan

Your Loan Details

Monthly Payment GH₵0.00
Total Interest GH₵0.00
Total Repayment GH₵0.00
Interest Rate 0.00%
Loan Term 0 months

Funeral loan Loans

Sika Sprint

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

Individual Loan Loans

Sika Sprint

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

Sika Sprint

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

Double Up

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

Double Up

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

Triple Vim

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

Triple Vim

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

Quarter Cash

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

Quarter Cash

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

Ntoboase Flex

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

Ntoboase Flex

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

Anidaso Plus Plan

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

Anidaso Plus Plan

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

Business Loan Loans

Boa Me Biz Plan

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

Boa Me Biz Plan

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

Car Loan Loans

Anidaso) Plus Plan

monthly
Interest Rate 30.00%
Term 12 months
Penalty Rate 10.00%

Anidaso) Plus Plan

monthly
Interest Rate 60.00%
Term 24 months
Penalty Rate 10.00%

About JOABAE Credit Union

Building financial freedom together since 2021

Our Story

JOABAE Co-operative Credit Union was founded in 2021 with a mission to provide ethical, member-focused financial services to our community. As a member-owned cooperative, we prioritize your financial well-being over profits.

We believe in building lasting relationships with our members and helping them achieve their financial goals through personalized service and competitive products.

Our Values

  • Integrity: We operate with honesty and transparency
  • Community: We invest in our members and local communities
  • Innovation: We embrace technology to serve you better
  • Security: Your financial safety is our top priority

What Our Members Say

Join thousands of satisfied members who trust JOABAE

"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."
MS

Michael Smith

Member since 2022

"I've been with JOABAE for 3 years. Their commitment to members is unmatched. When I wanted to start my business, they provided the guidance and financing I needed."
RJ

Rebecca Johnson

Member since 2021

Contact Us

We're here to help you with any questions or concerns

Visit Us

Atwima Boko Apatase, Kumasi
Ghana

Call Us

(233) 591-978-717
Mon-Fri: 8:30 AM - 4:30 PM

Email Us

info@joabae.com
support@joabae.com

Send us a Message

Ready to Achieve Your Financial Goals?

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

Open an Account Now