Savings & Growth
High-yield cooperative savings
Member share capital, high-yield group savings pools and fixed-term commodity-backed deposits — every rate published live by the Co-op Pay desk.
Share capital
Share capital is the member's ownership stake: it is not withdrawn on demand, but it earns a dividend declared by the cooperative's annual general meeting.
Group savings pools
Group savings pools let members save towards a shared purpose — inputs, equipment or a season's working capital — at a pooled rate.
Fixed-term deposits
Fixed-term deposits are locked for the contracted tenor and are typically secured against cooperative commodity intake or asset value.
Select a savings product to project five years of growth on that product's published rate, with a $50.00 monthly contribution added to the minimum balance.
Year 1
$649.00
+$29.00 dividend
Year 2
$1,340.00
+$120.00 dividend
Year 3
$2,100.00
+$280.00 dividend
Year 4
$2,935.00
+$515.00 dividend
Year 5
$3,853.00
+$833.00 dividend
On Member Share Capital at 9.50%, five years of contributions produce an estimated balance of $3,853.00.
Savings & share products
Member Share Capital
SHARE-CAP · USD
9.50%
p.a. dividend
The member's ownership stake in the cooperative. Share capital earns a dividend declared by the members at the annual general meeting.
- Opening balance
- $20.00 minimum
- Member return
- p.a. dividend
- Dividend declared annually at the AGM
- Voting rights attached to membership
- Withdrawable only on exit from the society
Registered members of a participating cooperative society
Group Savings Pool
GROUP-SAVE · USD
11.25%
p.a. dividend
A pooled savings account for a society, syndicate or member group saving towards a shared purpose such as inputs, equipment or a season's working capital.
- Opening balance
- $50.00 minimum
- Member return
- p.a. dividend
- Multiple signatories per pool
- Pooled dividend rate above individual savings
- Withdrawal by group resolution
Registered member groups and cooperative societies
12-Month Commodity-Backed Deposit
FIXED-12 · USD
12.75%
p.a. dividend
A fixed-term deposit secured against cooperative commodity intake, paying a contracted dividend for a full season.
- Opening balance
- $500.00 minimum
- Member return
- 12 months
- Locked for 12 months
- Secured against commodity intake
- Early withdrawal requires committee approval
Members with a 3-month savings history
24-Month Growth Deposit
FIXED-24 · USD
13.40%
p.a. dividend
Longer-dated member deposit for capital planned over two production cycles, at the highest savings rate published by the desk.
- Opening balance
- $1,000.00 minimum
- Member return
- 24 months
- Locked for 24 months
- Highest published member dividend
- Annual dividend statement
Members holding share capital for 12 months or more