Aflatoun Savings
Build financial literacy and savings habits for children enrolled in OIC-YSC partner schools.
- For: Children ages 7–17
- Minimum: ₱20.00 opening deposit
- Interest: 2.00% per annum, compounded quarterly
- Lock-in: 1 year
Full details
Deposit Details
- Opening deposit: as low as ₱20.00
- Interest: 2.00% per annum, compounded quarterly
- Lock-in period: 1 year (to develop saving discipline)
Withdrawal
- Over-the-counter withdrawals available after lock-in period
Online Shop
- orointegrated.coop/product/youth-savings/
- Eligibility: Children ages 7–17 enrolled in identified OIC-YSC partner schools.
ATM Savings
Everyday savings with instant ATM access for withdrawals, shopping, and bill payments anytime, anywhere.
- Minimum: ₱200.00 to open
- Interest: 1.5% per annum
- Access: 24/7 via ATM
Full details
Deposit Details
- Opening deposit: ₱200.00
- Interest: 1.5% per annum
Features
- 24/7 ATM withdrawals — no branch visit needed
- Use for shopping, bills, and everyday payments
Online Shop
- orointegrated.coop/product/atm-savings/
- Eligibility: OIC member in good standing.
Build Savings
Help build OIC branch offices while growing your own savings with double the interest of a regular account.
- Minimum: ₱500.00
- Interest: 4.00% per annum, compounded quarterly
- Lock-in: 3 years
Full details
Deposit Details
- Opening deposit: ₱500.00 (every peso counts!)
- Interest: 4.00% per annum, compounded quarterly
- Lock-in period: 3 years
- Contributes to building OIC branch offices (Bayanihan spirit)
- Earns twice the interest of a regular savings account
Online Shop
- orointegrated.coop/product/build-savings/
- Eligibility: OIC member in good standing who wants to participate in the cooperative’s Bayanihan savings program.
Common Share
Become an OIC member-owner — with a voice in decision-making, a share in profits, and access to all OIC products.
- Minimum: ₱200.00 (build up to ₱3,000 full membership)
- Benefit: Tax-free interest on Share Capital
- Perks: Voting rights, profit share, full product access
Full details
Share Details
- Start as low as ₱200.00; full membership at ₱3,000 worth of Common Share
- No member may own more than 10% of total subscribed Share Capital
- Tax-free interest on share capital
Member-Owner Benefits
- Voice in cooperative decision-making
- Share in the cooperative’s yearly profits
- Access to OIC’s full range of products and services
Online Shop
- orointegrated.coop/product/common-share/
- Eligibility: Any individual who wants to become a full OIC member-owner. Minimum subscription of ₱3,000 in Common Share required for full membership.
Compulsory Savings Deposit
Deposit counterpart for OIC loan availment — builds financial discipline and continues to grow even after full loan payment.
- Starting deposit: Based on required loan counterpart
- Interest: 3.00% per annum, compounded quarterly
- Lock-in: Matches your loan term
Full details
Deposit Details
- Starting deposit depends on required loan counterpart amount
- Interest: 3.00% per annum, compounded quarterly
- Lock-in period matches your loan term
Features
- Required when availing any OIC loan product
- Can be maintained and continues to earn interest even after full loan repayment
- Eligibility: OIC member-borrowers availing any OIC loan product.
Dream Savings
Long-term wealth building for major life goals — a new home, your child’s education, or an exciting adventure.
- Deposit: ₱1,000 – ₱25,000 per month
- Interest: 7.00% per annum, compounded quarterly
- Term: 5-year contract period
Full details
Deposit Details
- Minimum monthly deposit: ₱1,000.00
- Maximum monthly deposit: ₱25,000.00
- Interest: 7.00% per annum, compounded quarterly
- Contract period: 5 years
Online Shop
- orointegrated.coop/product/dream-savings/
- Eligibility: OIC member in good standing with a regular income or savings capacity.
Health And Disaster Savings
Build a disaster-resilient fund for health crises, emergencies, and recovery needs.
- Minimum: ₱500.00 (add anytime)
- Interest: 5.00% per annum, compounded quarterly
- Bonus: FREE Property Emergency Tragedy Insurance for ₱5,000+ balance
Full details
Deposit Details
- Opening deposit: ₱500.00; add funds anytime
- Interest: 5.00% per annum, compounded quarterly
Insurance Benefit
- FREE Property Emergency Tragedy Insurance for deposits of ₱5,000.00 or more
Online Shop
- orointegrated.coop/…/health-and-disaster-savings/
- Eligibility: OIC member in good standing.
Kabayani Savings
Long-term savings for OFWs — invest in your dreams, protect loved ones, and build a solid financial foundation from abroad.
- Starting: ₱5,000 (add ₱2,000/month minimum)
- Interest: 5.00% per annum — tax-free!
- Bonus: Life insurance upon reaching ₱10,000 balance
- Lock-in: 5 years
Full details
Deposit Details
- Starting deposit: ₱5,000.00
- Minimum monthly deposit: ₱2,000.00
- Interest: 5.00% per annum — tax-free!
- Lock-in period: 5 years
Insurance Benefit
- Life insurance coverage once balance reaches ₱10,000.00
Online Shop
- orointegrated.coop/product/kabayani-savings/
- Eligibility: OIC member who is an Overseas Filipino Worker (OFW) or has verifiable income from abroad.
Member Contingency Deposit
Safety net for farmer-members against crop failure, medical needs, and sudden financial setbacks.
- Starting: ₱500.00 (add daily, weekly, monthly, or annually)
- Interest: 5.00% per annum, compounded quarterly
- Lock-in: 4 years minimum (8 production/project cycles)
Full details
Deposit Details
- Starting deposit: ₱500.00
- Add funds anytime — daily, weekly, monthly, or annually
- Interest: 5.00% per annum, compounded quarterly
- Lock-in: 4 years minimum, tied to 8 production/project cycles
Best For
- Agricultural input requirements per hectare
- Emergency fund for crop failure or health crises
- Eligibility: Farmer-members of OIC in good standing, engaged in crop or livestock production.
PEARLS Savings
Pension and Retirement Long-Term Savings — prepare for retirement and enjoy life’s later chapters with financial security.
- Starting: ₱250.00
- Interest: 9–10% per annum, compounded quarterly
- Plans: Pension (5 years) or Retirement (10 years)
Full details
Deposit Details
- Starting deposit: ₱250.00 — grow at your own convenience
- Interest: 9–10% per annum, compounded quarterly
Savings Plans
- Pension Savings: 5-year deposit plan
- Retirement Savings: 10-year deposit plan
Online Shop
- PENSION: orointegrated.coop/product/pension-plan-pearls/
- RETIREMENT: orointegrated.coop/…/pension-and-retirement…/
- Eligibility: OIC member in good standing planning for retirement or pension savings.
Pocket Savings
Set aside money now for birthdays, holidays, and special celebrations — a dedicated pocket for every joyful moment.
- Starting: ₱500.00 (save up to ₱2,000/month)
- Interest: 3.00% per annum, compounded quarterly
- Perk: Open up to 5 Pocket Savings accounts
Full details
Deposit Details
- Starting deposit: ₱500.00
- Maximum monthly deposit: ₱2,000.00
- Interest: 3.00% per annum, compounded quarterly
Features
- Open up to 5 Pocket Savings accounts — a pocket for every purpose!
Online Shop
- orointegrated.coop/product/pocket-savings/
- Eligibility: OIC member in good standing.
Preferred Deposit
High-yield savings that can also be used as loan collateral — for members who want to grow money strategically and securely.
- Starting: ₱5,000.00 per installment (certificate issued)
- Interest: 7.50% per annum, capitalized yearly
- Bonus: Can be used as collateral for OIC loans
Full details
Deposit Details
- Starting deposit: ₱5,000.00 per installment
- Certificate issued for every installment
- Interest: 7.50% per annum, capitalized yearly
Key Benefits
- Can be used as collateral for OIC loans
- One of the highest-yielding deposit products
- Eligibility: OIC member in good standing with the capacity for structured installment deposits.
SAFE Plus
Savings Annuity for Future Education — secure your child’s education with compounding interest and insurance coverage.
- Starting: ₱500.00
- Interest: 6.00% per annum, compounded quarterly
- Bonus: Life insurance + education savings up to ₱250,000
Full details
Deposit Details
- Starting deposit: ₱500.00
- Interest: 6.00% per annum, compounded quarterly
Coverage
- Life insurance and education savings benefits up to ₱250,000.00
- Can be opened for child, grandchild, niece, or nephew
- Eligibility: OIC member in good standing who wants to save for a dependent’s future education.
Time Deposit
Turn patience into profit — lock in your savings for a fixed term and earn the highest savings interest rates.
- Minimum: ₱5,000.00
- Interest: Up to 4.75% per annum
- Terms: 90, 180, or 365 days
- Note: No withdrawals during lock-in period
Full details
Deposit Details
- Minimum deposit: ₱5,000.00
- Interest: up to 4.75% per annum (the longer you save, the more you earn)
Available Terms
- 90 days
- 180 days
- 365 days
- No withdrawals allowed during the lock-in period
Online Shop
- orointegrated.coop/product/time-deposit/
- Eligibility: OIC member in good standing with available funds for a fixed-term placement.
Youth Savings
Teach young members financial responsibility with a flexible savings account with no maturity period and a rewards program.
- For: Kids aged 7–17 years old
- Minimum: ₱150.00 to open
- Interest: 2.00% per annum
- Perk: Rewards program — earn points and redeem cool items!
Full details
Deposit Details
- Opening deposit: ₱150.00
- Interest: 2.00% per annum
- Withdraw anytime — no maturity period
Rewards Program
- Earn points every time you save
- Redeem cool items through the rewards program
Online Shop
- orointegrated.coop/product/youth-savings/
- Eligibility: Young individuals aged 7–17 years old.
For inquiries and deposit account opening, please visit www.orointegrated.coop or contact your nearest OIC branch. All deposit products are subject to OIC policies and applicable terms.