Everything GTCS offers its members.
From savings and loans to housing, agriculture, health and education, GTCS provides financial options that promote stability and growth in the community.
Savings and credit services.
These services help members save money and access loans to meet their entrepreneurial and financial needs.
Savings let members deposit money into their accounts, where it earns interest, either regularly or as one-time deposits. Credit services let members access loans for home repairs, education, business expansion and more.
By offering these services, GTCS helps promote financial stability and economic growth in the community.
Loans built for members.
As a member of the cooperative, you are eligible for loan services, each with its own terms and conditions.
Soft loan
Accessible within 24 hours of membership, if needed.
Regular loan
For members who have saved for at least six months.
Members complete a loan application form and get two guarantors to sign. Guarantors must have been members for at least three months, with no history of defaulting. See how to apply.
How repayment works.
Installments
All repayments are made in installments using post-dated cheques, submitted when the loan is disbursed.
Soft loan
Spread equally over four months, with an option to repay early in one, two or three months.
Regular loan
Equal installments over up to twelve months. Partial or full early refund is available on request.
Other loan types
Early repayment requests are allowed for any other type of loan, on the member's request.
₦1,000 admin fee
Added to the first installment to cover loan processing and fund transfer costs.
Repayment timing
Loans disbursed between the 1st and 25th of a month have their first repayment due by the end of that month.
Supporting every part of life.
Agricultural inputs
Access to essential inputs like seeds and fertiliser, reducing production costs and improving productivity.
Housing
Affordable housing solutions, including new homes, renovations and housing community management.
Health
Access to medical care, medication and other health services for interested members.
Education and training
Courses on financial literacy, business management and more, to build members' skills.
Access all GTCS services.
Become a member to save, borrow, invest and grow with us.