THT Staff Cooperative
Savings and loan products designed to support member growth and financial stability.
Savings Products
Regular contributions that encourage discipline and build long-term financial stability.
Goal-based savings for education, housing, travel, asset purchase or special projects.
Approved opportunities may be introduced from time to time for members.
Loan Products
Standard loan available to eligible members based on savings history and repayment capacity.
Quick financial assistance for unforeseen needs, subject to cooperative policy.
Structured support for acquiring useful assets.
Application Process
Complete the approved application and submit it with the required supporting information.
The Cooperative reviews eligibility, savings history and repayment capacity.
The decision and applicable terms are communicated to the member.
Funds are disbursed after all requirements are completed.
Frequently Asked Questions
Six months.
Confirmed THT staff can borrow up to 200% of their savings amount, while unconfirmed THT staff and members who are no longer staff of THT can borrow up to 150% of their savings.
Between 6 and 18 months, depending on the product.
A single-digit rate, as applicable at the time of the loan request.
By two active members who have been in the Cooperative for more than six months.