Products & Services
Savings and investments, personal and commercial loans, insurance and everyday services: everything the credit union offers its members, in one place.
- Products
- 29
- Loan rates from
- 5%
- Savings up to
- 2.25%
7 products
Savings Products
Want to start a savings account? We have several options for you to choose from, from the Primary Savings account every member holds to plans for school, Christmas and retirement.
Compare savingsPrimary 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.School Savings
Help your children build the habit of saving as a life-long skill.
ForStudentsTerm Savings
A fixed rate for a fixed term. The longer the term, the higher the interest.
Minimum term2 yearsChristmas Club
Save monthly from December to November and collect your savings plus interest for the holidays.
RunsDec – NovEducational Savings (ESA)
Save from birth to 18 towards your child's college education.
Interest2.25% p.a.Retirement Savings (RSA)
Save specifically for your retirement, and retire without having to worry about being financially secure.
Interest2.25% p.a.
2 products
Investment Products
Looking to invest with the SPCCU? Build your ownership stake with Permanent Shares, or lock in a fixed return with a Certificate of Deposit.
Compare investments12 products
Personal Loans
Need a personal loan? The SPCCU offers loans for land, homes, vehicles, education, health and life's big occasions. SPCCU terms and conditions apply.
Compare rates and termsMortgages
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.Home Repairs
Borrow to remodel, repair and renovate your home or a rundown property.
From5% p.a.
Personal
Vehicle Loan
This loan allows you to borrow money to purchase a new or used vehicle.
Up to$150,000Travel & Vacation
Need a vacation? These loans help finance travel and vacation expenses.
Up to$20,000Health & Medical Loan
This loan is used for paying off medical expenses.
Up to$200,000Student 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$5,000Debt Consolidation
Relieve the stress and get a fresh start by consolidating your outstanding debts.
Term5 yearsFurniture & 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 years
3 products
Commercial Loans
Need a commercial loan? The SPCCU offers working capital, start-up capital and growth finance for Montserrat's businesses. SPCCU terms and conditions apply.
Compare rates and termsBusiness 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$100,000Small Business Development
Make your business grow! Loans to help the expansion and growth of small businesses.
Up to$50,000
3 products
Insurance Products
Need an insurance plan? The SPCCU has you covered, with family plans that offer financial comfort during difficult times.
Compare insuranceFamily Indemnity Plan
Financial comfort during difficult times. One monthly premium covers you and up to five eligible family members.
From$26.40 / monthCritical Illness Rider
An add-on to the Family Indemnity Plan: up to $30,000 if you are diagnosed with a covered critical illness.
CoverUp to $30,000Family Critical Illness Plan
Critical illness coverage for you and up to FIVE of your eligible family members.
CoversUp to 6 people
2 products
Other Services
Beyond saving and borrowing, the SPCCU helps members move money between credit unions across the region and run payroll for their employees.
Compare other servicesBanking and tools
- Online & Mobile BankingLog in, enroll, or download the access form.
- Loan CalculatorEstimate a monthly repayment.
- Service FeesThe current schedule of fees.
- Application FormsFind the right form for what you want to do.
- DCashThe digital version of the EC currency.
- Document LibraryBrochures, statements and notices.
Not sure where to start?
Talk it through with our team
Tell us what you are planning and we will point you to the right account, loan or plan. Call 1-664-491-3666, WhatsApp 1-664-392-3666, or visit us in Brades.