Share Capital Program

"Your Ownership, Your Power, Your Future”

In every cooperative, the Capital Build-Up (CBU) is the backbone—it keeps the cooperative strong and sustainable. But beyond the backbone lies the heart of ownership: Share Capital.

When you invest in the Share Capital Program of the Overseas Filipino Workers Toledo Credit Cooperative (OFWTCC), you are not just saving money—you are buying ownership, influence, and security. This is not like depositing in a regular bank. This is your cooperative, and your Share Capital represents your stake, your voice, and your share in its growth.

Why Share Capital Matters

  • Ownership – Every peso you put into Share Capital is your rightful stake in OFWTCC. You are not just a member—you are a co-owner.

  • Dividends – Unlike banks that keep all profits, OFWTCC shares its success with you. The more Share Capital you hold, the bigger your dividend earnings each year.

  • Stronger Voice – Your Share Capital strengthens your say in cooperative decisions. This means you are shaping the future not only for yourself but for fellow OFWs and their families.

  • Financial Stability – A bigger Share Capital strengthens OFWTCC’s capacity to lend, grow, and serve its members better. The stronger we are together, the more opportunities we can open for all.

Think of Share Capital as planting a mango tree.

The more seeds you plant (Share Capital), the more fruits (dividends and benefits) you harvest. Unlike ordinary expenses that disappear, Share Capital keeps giving back—year after year.

CBU vs. Share Capital — Working Together

CBU: Your regular monthly commitment that keeps the cooperative strong and alive—the backbone.

Share Capital: Your long-term investment that makes you a true co-owner—the heart.

Together, they create a powerful foundation: a cooperative that is stable, member-driven, and capable of fulfilling its mission to uplift OFWs and their families.

Why Act Now?

The earlier and the more you grow your Share Capital, the greater your benefits and dividends. Every peso you invest today secures not only your future but also strengthens the entire OFWTCC community.

Don’t just be a member. Be an owner. Be a builder. Be a partner in growth.