Services & Savings Plans

Clear paths to financial growth

Pick the plan that matches your goals — steady cooperative savings with loan access, or a focused target-savings cycle.

Regular Savings & Loan Scheme

Philadelphia Savings

A normal cooperative society where members make monthly contributions and unlock access to affordable loans.

Membership Registration

₦5,000

Contributions

Flexible monthly

Eligible for loans after 6 months of consistent contributions.
Borrow up to 2× (double) your total accumulated contributions.
Requires 2 guarantors — active financial members whose combined contributions cover the requested loan.
Loans carry 10% flat interest — borrow ₦30,000, repay ₦33,000. No interest is paid on savings.

Apply for Philadelphia Savings

90 Days

Short-Term Target Savings

Philadelphia Silver Thrift

A focused savings cycle that completes in 90 days — pay weekly and hit a clear target.

Wallet Activation

₦500 one-time

Registration / account

₦3,000

Weekly Payment

₦3,700

Target Savings

₦44,400

Expected*

₦74,480

Clear 90-day cycle with a fixed, reachable goal.
Activate your wallet first — the ₦500 fee comes before the registration form.
Save ₦3,700 weekly toward a ₦44,400 target.

*Expected amount is a target subject to programme conditions and verification — it is not a guaranteed return.

Start 90-Day Silver Thrift

20 Weeks

Extended Target Savings

Philadelphia Gold Thrift

A longer focused savings cycle that completes in 20 weeks, with a branded member T-shirt included.

Registration

₦2,500

Weekly Payment

₦2,000

Target Savings

₦40,000

Expected*

₦68,000

Clearance / account

₦3,000

T-Shirt / user

₦5,000

A clear 20-week cycle toward a ₦40,000 target.
Affordable ₦2,000 weekly contributions.
Includes clearance (₦3,000/account) and a branded T-shirt.

*Expected amount is a target subject to programme conditions and verification — it is not a guaranteed return.

Start 20-Week Gold Thrift

Philadelphia Cooperative Multipurpose Society is a cooperative society — not a bank, investment company or Ponzi scheme. "Expected" figures are savings targets, not guaranteed returns, and all bonuses, incentives and settlements are subject to the programme's Terms & Conditions and verification.

Not sure which plan fits?

Send your inquiry and our team will help you choose the right plan and guide you through registration.

Request Membership Info See How It Works