SPAKCCU

  • Accra. Caprice, Adjacent the St Pauls Kpehe Catholic Church
  • info@spakccu.com
  • 054-449-9195
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Loans

OUR SERVICES

About Loans Account

Affordable Financing, Personalized for You

At SPaKCCU, we believe that financial help should be simple, supportive, and tailored to your life. Whether you’re buying your first car, building your dream home, paying for education, or simply need a little extra support—we’re here to help you move forward.

Explore our range of flexible, low-interest loan options designed with YOU in mind.

Members can obtain Loan application forms from the office, complete and return same with a valid ID card (Voter’s ID, Drivers Licence, National Identification card, Passport). Loans above member’s savings must be vetted by the Loans Committee, which meets weekly to consider loans and approve or disapprove or defer.

OUR SERVICES

The Benefit of Loans Account

  • Loans are insured by the borrower with the Credit Union against the risk of Death and Permanent disability under the Credit Unions Loan Protection Plan (LPP). The entire loan is covered over the repayment period. Whatever that has been re-paid by the borrower at the time of the risk becomes a benefit to the member in time of Permanent disability or to the next of kin after death of a member.

  • Interest charged on Loans is 3% per month reducing balance method which makes up to 19.5% per annum.