Who we are
Owned and governed by its members
Oro Integrated Cooperative (OIC) is an open-type primary cooperative that has been serving its members for 59 years. Ranking among the country’s leading cooperatives, OIC now serves over 209,000 plus members across its 24 branches strategically located in key areas of Mindanao and Visayas. The cooperative is owned and governed by its members from all walks of life through its board of directors.
209K+
Active Members
24
Branches Nationwide
60
Years of Service
Our Founding Story
A Cooperative Borne Out of an Absolute Zeal for Radical Change
Oro Integrated Cooperative was conceived by Atty. Mordino “Mordz” Cua. He dreamt of a cooperative that would provide financial self-sufficiency and economic independence to its members and the community. This dream materialized when he united 27 other individuals who strongly believed in the cooperative idea. With a modest startup capital of 88 pesos, they formed Oro Credit Union on March 5, 1966, serving as the first set of officers and managers. The name was changed to Oro Integrated Cooperative in 1991 and has since become known as OIC.
Milestones
Six decades of growth
- 1966Oro Credit Union is formedAtty. Mordino “Mordz” Cua and 27 others start the credit union with ₱88 in capital on March 5, 1966.
- 1991A new name: Oro Integrated CooperativeThe credit union becomes Oro Integrated Cooperative — known ever since as OIC.
- 2012–2014Most Outstanding CooperativeCDA Gawad Parangal Award, three years in a row.
- 2019Most Outstanding Service Cooperative8th Mindanao Business Leaders & Entrepreneur Awards, Cagayan de Oro.
- 2020Online Services launchedIn July 2020, members — including OFWs — can transact online through Google Forms and the OIC website.
- 2021Wealth building and a national awardThe Integrated and Kabayani Wealth Building Programs launch, and OIC receives the Villar SIPAG Award for Outstanding Social Enterprise for Poverty Reduction (Region 10).
- Today209,000+ members, 24 branchesServing members across Mindanao and the Visayas.
Legacy & Recognition
A Name of Encompassing Eminence
OIC has become a household name, delivering quality and tailor-fit products and services to fulfill its mission. Over the years, members have shared stories of achievements and overcoming challenges with the help of OIC. These success stories have helped build OIC’s stature in the hearts of its members and the community. The trust and respect from various stakeholders are evidenced by numerous awards and citations from reputable bodies recognizing OIC’s exemplary performance, good governance, and commitment to service.
What We Offer
Tailor-made Products and Services
OIC offers a wide array of products and services tailored to the needs of its members; from investments, savings, loans, insurance, as well as its recently launched online services. OIC is also the first cooperative in the Philippines to offer ATM Services.
Prompted by the adverse economic impact brought about by the pandemic, OIC’s commitment to continually serve its members and the community reinforced the need for Online Services. OIC launched its Online Services in July 2020 through two channels: Google Forms for Debit Transfers and Express Loan applications, and its official website www.orointegrated.coop — enabling members, including OFWs, to transact from anywhere.
Innovative Programs & Services
Built for Every Member's Need
OIC ProPER Loan Line
A thoughtfully enhanced loan product lineup ensuring every member finds the right solution at the right time — for business growth, emergencies, personal needs, education, and more.
Convenient Cashless Transactions via GCash
OIC is now on GCash! Members can deposit and pay loans using one of the country’s leading mobile wallet apps — more ease, more access, less waiting, anytime and anywhere.
Empowering Enterprises through Business Development
Through its Enterprise Development Program, OIC equips member-entrepreneurs with resources, linkages, and support — driving inclusive economic growth across communities.
Financial Empowerment
Wealth Building for Every Filipino
Since 2021
Integrated Wealth Building Program (IWBP)
In 2021, the Integrated Wealth Building Program (IWBP) was developed to address prevalent issues on financial literacy in OIC, the cooperative movement, and the Philippine context. The IWBP enables employees, officers, and members to become financially literate and eventually achieve financial freedom.
For OFWs
Kabayani Wealth Building Program (KWBP)
In the same year, the Kabayani Wealth Building Program (KWBP) was launched as a joint collaboration between OIC and Sta. Catalina Credit Cooperative (SCC). The KWBP provides Overseas Filipinos a long-term savings investment to support the plans and dreams of OFWs and their families — bridging distance through financial security.
Growing Nationwide
The Cluster of OIC Branches
Since its humble beginning in its very first office in Cagayan de Oro City, OIC has expanded significantly. OIC is currently operating in cleverly dispersed branches across Cagayan de Oro (6), Bukidnon (7), Misamis Oriental (3), Bohol (3), CARAGA (2), Iligan City (1), and Davao City (2)— a testament to decades of growth, trust, and service.