Unified North Credit CooperativeShare capital
Your ownership in the cooperative. Co-owners receive interest on share capital and a patronage refund, declared at the General Assembly.
Baguio City
Sharing prosperity to build a better world.
UNoCreCo is a credit cooperative owned by its members, with offices in Baguio City. We save together, lend to one another fairly, and share in what the cooperative earns.
About us
Alone I am weak, but with others I am strong.
Fifteen cooperators organized Unified North Credit Cooperative in June 2025, and it was registered with the Cooperative Development Authority on 23 March 2026. We exist to build our members' independence and self-sufficiency, and to strengthen their purchasing power, for the growth of each member and of the community.
Every member is a co-owner. Members vote and can be voted upon, use the cooperative's services, and take part in the General Assembly.
A dynamic, productive and progressive cooperative towards empowered members and a more responsive and self-reliant society.
Our vision
Core values: a TESTED cooperative
- Accountability
- Teamwork
- Equality
- Solidarity
- Transparency
- Excellence
- Dedication
Services
What we offer our members
Every service is for members. For current rates, fees and amounts, ask for our printed rate sheet at either office.
Regular savings
A savings account that earns interest, for members who want to grow their money steadily.
Kiddie Savings Club
Savings for children aged 5 to 15, locked in for 5 years. Part of the savings may be withdrawn for a valid reason.
Time deposit
A time deposit for regular members, with no withholding tax.
Loans
Seven loan types for members: share capital, regular, commercial, petty cash, special service, emergency, and salary or pension loans.
Member benefits
Mutual Aid for the beneficiary of a member who passes away, the Health Care Fund for hospital stays, and yearly incentives for active members.
Visit us
Two offices in Baguio City
Main officeNo. 75 Lourdes Subdivision (Middle Rd), Lourdes Proper, Baguio City, CAR
Satellite office4/F Rooftop, No. 38-L, Maharlika Livelihood Complex, cor. Abanao and Magsaysay Avenue, Baguio City
Forms
Download, print and bring to either office
Please fill out the form by hand. Do not email forms with your personal details.
Application for Membership
For adults who want to become member-owners. Attend the Pre-Membership Education Seminar (PMES) before you apply.
What to bring when you apply
- Birth certificate, or marriage certificate if married (photocopy)
- Two 2x2 ID pictures, taken within the last 6 months
- Barangay clearance (valid for 6 months)
- Photocopies of 2 valid government-issued IDs
- If you are 70 to 75 years old: a medical certificate issued within the last 6 months
Learn and play
Money lessons for kids, teens and grown-ups
Sort needs from wants with Kuya Al, plan your baon, spot a scam text, and work out an emergency fund for your family. Free, with no sign-up.
