Questions? We have answers.

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 ₦500,000, 3% interest, repaid over 4 months.
• Regular loans: available after six months of active membership. Up to twice your savings, 8% interest, repaid over 12 months.

Try the loan calculator

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 receive disbursement based on the loan type and approval status.

See how to apply

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 prioritise stable, ethical and faith-aligned investment practices to ensure consistent growth and member satisfaction.

Contributions can be made through multiple secure channels:

• Bank transfer
• Mobile payment
• Direct deposit (details provided upon registration)

Yes. Withdrawals are permitted according to the member’s savings plan. A minimum balance of ₦30,000 must remain in the account to keep it active.

Read the savings collection rules

Members enjoy a wide range of financial and community-based advantages, including:

• Structured savings and investment options
• Access to low-interest loans
• Financial growth and business opportunities
• Professional mentorship and financial literacy training
• Dividends on savings and investments
• Membership in a supportive, faith-driven cooperative

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 financial support, educational resources and profit-sharing.

Become a member

Yes. GTCS conducts regular workshops, training sessions and one-on-one mentorship programs to help members improve financial decision-making and build long-term wealth.

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, with help throughout the process, including documentation, payment planning and legal guidance. Property availability is limited to members who are active and in good standing.

Rent an apartment · Buy or sell land

You can reach us through the following channels:

• Website: godstreasury.com
• Email: [email protected], [email protected]
• Phone: +234 701 187 1220

Members receive updates through:

• Email newsletters
• WhatsApp and Telegram groups
• Community forums and announcements
• Social media channels

God’s Treasury Cooperative Society (GTCS) is headquartered in Gbagada, Lagos, and is led by a board of seven directors. While we maintain a physical office, our services are primarily digital for accessibility and ease. Our mission is to promote financial empowerment through ethical investment, cooperative savings and member-driven governance.