Empowering members through reliable savings, affordable loans, and trusted financial services. Join the happy family today.
We provide a wide range of financial products designed to help you save, borrow, and grow your wealth with confidence.
Grow your money with our competitive interest rates on regular savings, susu collections, and fixed deposits.
Access personal, business, and emergency loans with flexible repayment plans and competitive interest rates.
Bank on the go with our mobile banking platform. Check balances, transfer funds, and manage your account anytime.
Our trusted field officers visit you daily to collect your susu contributions, making saving easy and convenient.
Protect what matters most with our insurance products covering life, health, and property for peace of mind.
We empower our members with financial literacy programs to help them make informed decisions about their money.
St. Martin De Porres Co-operative Credit Union Ltd. is a dynamic financial institution committed to sustaining the trust, confidence and well-being of our membership through superior products, service excellence and a highly empowered team of employees to promote members' development socially and economically.
We are a dynamic Financial Institution committed to sustaining the trust, confidence and well-being of our membership through superior products, service excellence and a highly empowered team of employees to promote Members' development socially and economically.
To be the premier financial co-operative institution for every member within our catchment areas, making a positive difference in the financial lives of our members and in the community we serve.
Explore our range of loan and savings products designed to meet your unique financial needs.
Borrow up to 2x your savings (3% per month) or 3x your savings (4% per month) for personal needs — education, medical, home improvement, and more. Up to 24 months.
Borrow up to your full savings balance without disturbing your deposit. Quick processing, lowest rate. Up to 12 months.
Leverage your susu contributions for affordable credit. Borrow up to 2x (3% per month) or 3x (4% per month) of susu savings. Max GH₵150,000. Up to 12 months.
Grow your business with up to 5x your savings. For inventory, equipment, and business expansion. Up to 24 months.
Available to salaried workers. Borrow based on your net salary with up to 40% debt service ratio. Up to 18 months.
Repayments deducted at source from your salary. Loan amount based on your monthly deduction affordability. Up to 18 months.
Quick access to funds for urgent needs. Up to 20% of your total assets, with a ceiling of GH₵500,000. Up to 6 months.
For weddings, funerals, and other special occasions. Up to 20% of your total assets, ceiling GH₵500,000. Up to 6 months.
To open a Member Savings account, a minimum share purchase of GH₵500 and an entrance fee of GH₵20 is required. Earn competitive interest on your deposits from day one.
Daily contributions collected by our trusted field officers. The easy and convenient way to build your savings.
Lock in higher returns with tiered rates based on your deposit amount. Terms: 91, 182, or 365 days. Rates from 5% to 8% p.a.
Secure your child's future with our dedicated youth savings account. Start building their future today.
Use our calculators to explore loan eligibility and fixed deposit returns before you commit.
Check how much you may qualify to borrow based on your savings, income, and loan type.
Calculate your returns based on our tiered rates effective 1st April 2025.
| Deposit Range (GH₵) | 91 Days | 182 Days | 365 Days |
|---|---|---|---|
| 2,000 – 499,999.99 | 5.00% | 5.50% | 6.00% |
| 500,000 – 999,999.99 | 6.00% | 6.50% | 7.00% |
| 1,000,000 and above | 6.50% | 7.00% | 8.00% |
Stay informed with the latest happenings, events, and announcements from SMDPCCU.
Our Annual General Meeting is scheduled for December 2026. The exact date will be communicated to all members in due course. All members are encouraged to attend and participate.
We have revised our Fixed Deposit rates. Deposits of GH₵2,000–499,999.99 earn 5%–6% p.a., GH₵500,000–999,999.99 earn 6%–7% p.a., and GH₵1,000,000 and above earn up to 8% p.a. (rates vary by term: 91, 182, or 365 days). Visit any branch to lock in your deposit today.
Calculate ReturnsWe are working on a USSD banking service that will allow you to check balances, transfer funds, and manage your account directly from your phone — no internet required.
Visit us at our head office or any of our branches. Our team is ready to assist you with all your financial needs.
Atonsu, Monaco Junction, Kumasi
Ashanti Region, Ghana
Monday – Friday: 8:00 AM – 5:00 PM
Saturday: 9:00 AM – 1:00 PM
Sunday: Closed