Yes. All GTCS members are eligible to apply for cooperative loans from the moment they join. We offer structured, low-interest loans tailored to member needs and participation.

GTCS provides two categories of loans:

• Soft Loans – Available immediately upon registration.
  • Maximum loan amount: ₦500,000

  • Interest rate: 3%

  • Repayment period: 4 months

• Regular Loans – Available after six months of active membership.
  • Loan amount: Up to twice the member’s savings

  • Interest rate: 8%

  • Repayment period: 12 months

To apply for a loan with GTCS, you must first become a registered member. Once registered, you can apply through our loan application form available online or at our office. Provide the necessary documentation, including proof of savings, cooperative participation, and identification. All applications are reviewed promptly, and eligible members will receive disbursement based on the loan type and approval status.

GTCS offers competitive and transparent returns on member investments. Dividends are distributed annually based on the cooperative’s financial performance and your level of investment. Returns may vary, but we prioritize stable, ethical, and faith-aligned investment practices to ensure consistent growth and member satisfaction.

No. GTCS services, including loans, savings plans, dividends, and property access, are exclusive to registered members. Becoming a member ensures that you benefit fully from our cooperative structure, including access to financial support, educational resources, and profit-sharing.

GTCS members can explore property opportunities by contacting our property team or visiting our available listings. We offer rental and sales options at member-friendly rates, and assistance is provided throughout the process—including documentation, payment planning, and legal guidance. Property availability is limited to members who are active and in good standing.