In order to help you understand who and what we are and what we do, we’ve prepared a few questions to assist you. If you don’t see all your desired answers on this page, please click here to send us your question.


A credit Union is a "not for profit" member-owned Financial Cooperative, democratically controlled by its members, and operated for the purpose of maximizing the economic benefit of its members by providing financial services at competitive and fair rates.

Credit Unions are member-based, formed by a group of people who share a common bond - whether it be employer, a fraternal organisation, church or community. Because Credit Unions are "not for profit" organizations they usually provide a low cost alternative to "for profit" Financial Institutions such as retail banks. Privacy and confidentiality are assured.

Credit Unions exist to serve their members. "For Profit" Financial Institutions operate to generate money for their stockholders. Unlike these institutions, Credit Unions return any profit to members in the form of higher dividends on shares, lower fees, lower rates on loans and expanded services.

Like other Financial Institutions Credit Unions are closely regulated.

The Trinidad and Tobago Credit Union Deposit Insurance Fund Cooperative Society Limited (TTCUDIF) insures Credit Unions' members investments up to $ 125,000.00 on Shares and $50,000.00 on Deposits.

Our bond is members of the African Community, African descendants across the globe. In accord with the United Nations proclamation that the decade 2015 - 2024 is dedicated to " People of African Descent" It is befitting for this distinct group of people to make an impressive contribution to fortifying and consolidating their own economy and by extension that of the global communities in which they reside.

We treat our members in a dignified fashion while we provide adequate and appropriate support to upgrade the financial status of our members.


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