SAVINGS PRODUCTS
Start saving today for a secure tomorrow. Choose a savings plan that fits your goals.
Apply NowExplore All Savings Options
Each savings plan is tailored to support your specific financial goals with competitive dividends, flexibility, and cooperative trust.
Initial Deposit / Requirement
₱500 maintaining balance / ₱100 minimum deposit
SAVING DEPOSIT
Member Requirement & Daily Liquid Savings
A mandatory requirement for all SJMPC members with a low ₱500.00 maintaining balance. Accessible anytime with flexible deposits and withdrawals to build your financial foundation.
Minimum Initial Deposit
₱500 maintaining balance / ₱100 minimum deposit
Dividend & Earnings
Dividends credited based on annual cooperative earnings & performance
Key Features & Benefits
- Liquid account with anytime withdrawal access
- Qualifies member for cooperative loans & services
- Earns competitive interest on maintaining balance
- No locking period or restriction on deposits
Initial Deposit / Requirement
₱5,000.00 minimum initial deposit
TIME DEPOSIT
Fixed Term Savings for Steadier Growth
Certificate-backed high interest savings account for members looking to lock in higher returns over a set term. Higher deposit amounts and longer terms yield maximum dividends.
Minimum Initial Deposit
₱5,000.00 minimum initial deposit
Dividend & Earnings
Guaranteed higher interest rates scaled by deposit tier & duration
Key Features & Benefits
- Official certificate issued for every account opened
- Tiered interest structure for maximum capital growth
- Flexible term horizons from 3 months to multi-year
- Protected, low-risk cooperative investment
Initial Deposit / Requirement
Based on chosen monthly pledge commitment
ULTIMA SAVINGS
5 to 10 Year Disciplined Monthly Savings Plan
Structured monthly savings pledge over 5 or 10 years designed for long-range financial security and wealth building. Complete principal and compound interest are paid out upon maturity.
Minimum Initial Deposit
Based on chosen monthly pledge commitment
Dividend & Earnings
Principal & accumulated interest credited directly to regular savings at maturity
Key Features & Benefits
- Flexible 5-year or 10-year term options
- Encourages disciplined monthly savings habits
- Compounding interest potential for long-term goals
- Ideal for home buying, business startup, or legacy funds
Initial Deposit / Requirement
No minimum pledge amount required
ALKANSYA SAVING
Hassle-Free 2-Year Savings Without Minimum Pledges
A regular savings account featuring a fixed 2-year term with no minimum monthly pledge requirement. Deposit whenever you can, and enjoy a full lump-sum payout upon maturity.
Minimum Initial Deposit
No minimum pledge amount required
Dividend & Earnings
Full principal and earned interest credited to regular savings upon maturity
Key Features & Benefits
- Fixed 2-year maturity horizon
- Complete freedom on deposit amounts and frequency
- Automatic transfer to regular savings at maturity
- Great for short-to-medium range personal milestones
Initial Deposit / Requirement
₱500.00 initial minimum deposit
RETIREMENT SAVINGS
Secure Financial Peace of Mind for Your Post-Work Years
A dedicated 5-year savings program for SJMPC members starting with as low as ₱500. Prepare comfortably for retirement while earning competitive returns safely.
Minimum Initial Deposit
₱500.00 initial minimum deposit
Dividend & Earnings
Principal and interest earnings credited upon 5-year maturity
Key Features & Benefits
- 5-year goal-oriented retirement planning
- Low ₱500 initial deposit to get started easily
- Cooperative safety ensuring funds are protected
- Builds a reliable nest egg for post-career comfort
Initial Deposit / Requirement
Flexible monthly deposit schedule
BAPTISM SAVINGS
Dedicated Savings for your Child's Sacred Welcome
Plan ahead for baptismal ceremonies, receptions, and godparent celebrations with a flexible monthly savings plan tailored for young parents.
Minimum Initial Deposit
Flexible monthly deposit schedule
Dividend & Earnings
Dividends credited based on savings plan terms & maturity
Key Features & Benefits
- Purpose-built fund for family celebrations
- Customizable deposit amounts according to budget
- Stress-free event financing without taking loans
- Payout safely transferred at maturity
Initial Deposit / Requirement
Flexible monthly deposit schedule
DEBUT SAVINGS
Fund an Unforgettable 18th Birthday Celebration
Save systematically for your daughter's or loved one's 18th debut celebration. Ensure venue, attire, and party arrangements are fully covered.
Minimum Initial Deposit
Flexible monthly deposit schedule
Dividend & Earnings
Dividends & principal credited upon plan maturity
Key Features & Benefits
- Multi-year accumulation path leading to the 18th birthday
- Avoid last-minute financial strain for big events
- Earn dividends while saving for milestone parties
- Flexible contributions adjusted to household income
Initial Deposit / Requirement
Flexible monthly deposit schedule
ANNIVERSARY SAVINGS
Celebrate Life's Greatest Milestones Stress-Free
Set aside funds for wedding anniversaries, cooperative milestones, and family jubilees with dedicated recurring savings.
Minimum Initial Deposit
Flexible monthly deposit schedule
Dividend & Earnings
Dividends & earnings credited upon maturity
Key Features & Benefits
- Targeted goal setting for marital or company anniversaries
- Flexible contribution terms
- Guaranteed payout ready when the anniversary date arrives
- Interest earning power superior to standard accounts
Initial Deposit / Requirement
Flexible monthly deposit schedule
WEDDING SAVINGS
Prepare for Your Dream Nuptials & New Beginnings
Build a solid financial foundation for your wedding day and marital life with a dedicated couple's savings plan.
Minimum Initial Deposit
Flexible monthly deposit schedule
Dividend & Earnings
Principal and interest credited upon plan maturity
Key Features & Benefits
- Helps couples plan future nuptials with confidence
- Structured path to cover catering, venue, and attire
- Cooperative dividends augment total wedding savings
- Safe, transparent account tracking
Initial Deposit / Requirement
Flexible monthly deposit schedule
FIESTA SAVINGS
Be Fiesta-Ready Every Year Without Financial Stress
Save in advance for annual town, barangay, and patron saint fiesta celebrations so your household is ready to welcome family and guests.
Minimum Initial Deposit
Flexible monthly deposit schedule
Dividend & Earnings
Annual payout timed ahead of fiesta season
Key Features & Benefits
- Prevents holiday debt by saving months ahead
- Automatic maturity timing before local fiesta dates
- Flexible monthly contributions
- Dedicated fund for food, decor, and family gatherings
Initial Deposit / Requirement
Flexible monthly deposit schedule
TRAVEL AND LEISURE SAVINGS
Turn Your Dream Vacations & Trips Into Reality
A dedicated vacation fund designed to help you save for domestic and international travel, family getaways, and leisure pursuits.
Minimum Initial Deposit
Flexible monthly deposit schedule
Dividend & Earnings
Dividends & principal credited upon plan maturity
Key Features & Benefits
- Goal-driven travel fund for hassle-free vacations
- Disciplined savings path prevents credit card debt
- Cooperative earnings help boost total trip budget
- Flexible deposit frequency
Initial Deposit / Requirement
Flexible monthly deposit schedule
EMERGENCY SAVINGS
Build a Secure Safety Cushion for Unforeseen Life Events
Prepare for unexpected medical bills, home repairs, or sudden income disruptions with a dedicated emergency fund.
Minimum Initial Deposit
Flexible monthly deposit schedule
Dividend & Earnings
Competitive interest credited with quick liquidity upon need
Key Features & Benefits
- Provides vital peace of mind for you and your family
- Disciplined emergency reserve separate from daily cash
- Cooperative protection ensuring security of funds
- Supports financial resilience against life surprises
Initial Deposit / Requirement
Flexible monthly deposit schedule
CALAMITY SAVINGS
Emergency Recovery Shield for Natural Disasters
Specialized savings plan tailored for typhoon, flood, earthquake, and disaster recovery so you have instant financial backing when nature strikes.
Minimum Initial Deposit
Flexible monthly deposit schedule
Dividend & Earnings
Dividends credited continuously with emergency withdrawal protocols
Key Features & Benefits
- Essential climate & disaster resilience safeguard
- Immediate assistance and liquidity during declared calamities
- Protects family property and recovery needs
- Backed by SJMPC community solidarity
Why save with SJMPC
Clean, responsible, and community-first savings that help build a secure tomorrow.
Member-Focused
Programs built around the needs of SJMPC members and their families.
Secure & Safe
Trustworthy processes and cooperative governance you can rely on.
Higher Dividends
Savings designed to help you earn and grow over time.
Easy & Convenient
Visit our branches or open an account with guidance from our team.
Start Your Savings Journey Today!
Visit any SJMPC branch or open your savings account today.
