Online Banking
You will continue to SPCCU’s secure online banking service.
What would you like to do?
- Become a memberJoin with 20 Permanent Shares
- Apply for a loanPersonal, mortgage and business loans
- Download a formMembership, insurance and online banking
- Check current ratesSavings, deposits and loans
- Read the financial statementsAGM booklets and audited accounts
- Find us in BradesHours, directions and contacts
News & notices
All news and notices-
SPCCU Back 2 School Loan Special
St. Patrick’s Co-operative Credit Union Ltd is helping members prepare for the new school year with our Back 2 School Loan Special.…
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SPCCU Summer Loan — Let’s Go Travel
Planning a vacation, overseas family visit, or bucket-list adventure? St. Patrick’s Co-operative Credit Union Ltd is making travel more affordable with the…
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Vacancy: Teller Services Officer
St. Patrick’s Co-operative Credit Union Ltd. is seeking a suitable candidate to fill the position of Teller Services Officer. The Teller Services…
Member notices
All member notices-
Reduction In Certificate Of Deposit Interest Rate
The St. Patrick’s Co-operative Credit Union Ltd. wishes to advise members that, effective October 7, 2026, the following…
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Late Opening
Attention Members! Please note that on Monday, July 14th, 2025, our office will open at 8:30 AM. We…
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Permanent Shares
Please be reminded that permanent shares are the member’s long-term investments in the credit union and cannot be…
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Christmas Club Accounts
Please be advised that any early withdrawal from a Christmas Club Account will result in the account being…
What are you planning?
All products and servicesStart with your goal. We’ll show the SPCCU products that can help.
Buy land, build or buy your home, with repayment over up to 25 years. SPCCU terms and conditions apply.
Land Purchase
Your dream of owning your own piece of the rock can become a reality.
From6% p.a.Home Construction
Build your dream home! This loan is given to finance the construction of homes.
From5% p.a.Home Purchase
Buy your own house! This loan is given to finance the purchase of a home.
From5% p.a.Compare all loans
Rates, terms and requirements side by side.
Finance a new or used vehicle, furnish your home, or plan your wedding.
Vehicle Loan
This loan allows you to borrow money to purchase a new or used vehicle.
Up to$150,000Furniture & Appliances
Need to furnish your home? Borrow to purchase furniture and appliances.
TermUp to 5 yearsWedding Loan
Make your wedding plans! Wedding loans help with all the expenses.
Term5 yearsCompare all loans
Rates, terms and requirements side by side.
A safe place for your money, from everyday savings to fixed-term deposits at a guaranteed rate.
Primary Savings
The account every member holds: a safe place to save any amount you can afford.
Interest2% p.a.Regular Deposits
Our most flexible account. No minimum balance, no charges, instant access.
Interest0.5% p.a.Fixed Deposits / CDs
Invest funds for a minimum term of one year at a fixed interest rate.
From1.25%Compare savings accounts
Rates, terms and requirements side by side.
Put money aside with a purpose: for retirement, for Christmas, or for a fixed term.
Retirement Savings (RSA)
Save specifically for your retirement, and retire without having to worry about being financially secure.
Interest2.25% p.a.Christmas Club
Save monthly from December to November and collect your savings plus interest for the holidays.
RunsDec – NovTerm Savings
A fixed rate for a fixed term. The longer the term, the higher the interest.
Minimum term2 yearsCompare savings accounts
Rates, terms and requirements side by side.
Save from birth for college, help with back-to-school costs, or finance tertiary study.
Student Loan
Complete your tertiary education! For people who are aspiring to go to university.
Up to$150,000Back to School Special
For parents or guardians who need financial aid with school expenses.
Up to$5,000Educational Savings (ESA)
Save from birth to 18 towards your child's college education.
Interest2.25% p.a.All products
Rates, terms and requirements side by side.
Family plans that offer financial comfort during difficult times, and help with medical costs.
Family Indemnity Plan
Financial comfort during difficult times. One monthly premium covers you and up to five eligible family members.
From$26.40 / monthFamily Critical Illness Plan
Critical illness coverage for you and up to FIVE of your eligible family members.
CoversUp to 6 peopleHealth & Medical Loan
This loan is used for paying off medical expenses.
Up to$200,000All insurance
Rates, terms and requirements side by side.
Working and start-up capital for Montserrat’s businesses and farms, and payroll handled for your staff.
Business Loans
Want to be an entrepreneur? Working capital or starting capital for your business.
Rate10%Agri-business Loans
For those who wish to import goods, export goods, or buy equipment.
Up to$100,000Payroll Services
We handle your employees' salaries and deductions, so you have time for important matters.
ForEmployersCommercial loans
Rates, terms and requirements side by side.
Current rates
Published annual rates for savings, investments and personal loans. Select a product for its full terms.
Rates may change at any time based on market conditions. Certificate of Deposit rates apply to new and renewed certificates from October 7, 2026.
| Product | Rate |
|---|---|
| Primary SavingsOpened at membership. Minimum balance EC$50. | 2%paid quarterly |
| Regular DepositsNo minimum balance, instantly accessible. | 0.5%paid quarterly |
| Retirement Savings (RSA)On the minimum quarterly balance. | 2.25%per annum |
| Educational Savings (ESA)On the minimum quarterly balance. | 2.25%per annum |
| Fixed Deposits / CDsEC$10,000 – EC$500,000. 1.5% above EC$500,000 and for statutory bodies. | 1.25%from 7 Oct 2026 |
| Christmas ClubSavings plus interest issued at maturity. | Ask in branch |
| Term SavingsFixed rate. The longer the term, the higher the interest. | Ask in branch |
| Product | Rate |
|---|---|
| Home ConstructionUp to $500,000 · Up to 25 years | 5%as low as |
| Home PurchaseUp to $500,000 · Up to 20 years | 5%as low as |
| Land PurchaseUp to 10 years | 6%as low as |
| Student LoanUp to $150,000 · Up to 5 years | 6.5%as low as |
| Health & Medical LoanUp to $200,000 · Up to 5 years | 7%as low as |
| Vehicle LoanUp to $150,000 new · $100,000 used · Up to 5 years | 10%per annum |
| Travel & VacationUp to $20,000 · 1 year | 7%as low as |
More than a bank. Become an owner.
Credit unions are financial co-operatives owned by their members. When you join, you become an owner, and together you and your fellow members pool your deposits to offer loans and other financial services to each other.
There are no stockholders. The “profit” the credit union makes each year is returned to members through better deposit rates and additional services, and the Board of Directors is elected by the members.
- To join
- 20 Permanent Shares
- Per share
- $5.00
- Members
- 5,600+
Part of the worldwide credit union movement, alongside our regional and global partners. Our partners
