KAMCCU · Member-owned since 1972
Borrow up to four times your savings. Own the union that lends to you.
KAMCCU is Ghana's happy family of savers — decades of loans from 1% per month reducing balance, annual dividends on your shares, and every decision made by members at the AGM.
- Founded
- 1972
- Branches
- 3
- Loan rate
- from 1%/mo
Products & services
Everything your money needs, under one roof
Savings accounts
Individual, group and corporate accounts from GHS 20 — competitive interest, no monthly fees.
Learn moreShares
GHS 500 makes you a co-owner with one vote and annual dividends on surplus.
Learn moreLoans
Seven loan products from 1% per month reducing balance — up to 4× your savings.
Learn moreFixed deposits
Guaranteed returns over a fixed term with zero market risk.
Learn moreKiddie account
Start your child’s financial journey — no compulsory shares, built-in money education.
Learn moreMoney transfer & MoMo
Send, receive and deposit via mobile money — from anywhere in Ghana or abroad.
Learn moreLoans from
1%/month
reducing balance
Loan calculator
Know your repayment before you apply
KAMCCU charges interest on your reducing balance — you only pay interest on what you still owe. Try any amount and term; the calculator uses our published rates.
- No hidden fees or flat-rate tricks
- Repay over up to 5 years
- Savings keep earning quarterly interest while you borrow
- Savings and loans come with insurance cover
Quick estimate
1%/mo reducingMonthly payment
—
Total interest
—
Membership
Three steps into the family
Open to everyone in Accra and beyond — individuals, groups, companies, and children through the Kiddie account.
Buy your shares
A one-time GHS 500 minimum share purchase makes you a member and co-owner. You can start smaller and complete it within six months.
Save for three months
Build a consistent savings habit — your balance earns interest and becomes your borrowing power.
Borrow up to 4× your savings
Apply online or at a branch, from 1% per month reducing balance, with up to five years to repay.
or visit any branch — Monday – Friday, 8:30 AM – 4:00 PM
Why members trust us
54 years of putting members first
Founded in 1972 with the staff of CUA Ltd. as its nucleus, KAMCCU is governed by committees elected from — and accountable to — the membership. Profits return to members as dividends, not to outside shareholders.
Professionalism
Expert service delivered with trust and care at every step.
Transparency
Open, accountable communication in every KAMCCU process.
Integrity
Steadfast honesty and ethical conduct in every dealing.
Accountability
We answer to our members — every decision, every cedi.
Equity
Fair treatment for every member of the family, without exception.
Social Responsiveness
We invest back into the communities that built us.
Life at KAMCCU
One family, one AGM, one vote
Partner with KAMCCU for a prosperous tomorrow
Walk into KAMCCU House at Adabraka, our Kasoa or Amasaman branches — or start online in five minutes.