Programs and Services
Discover the programs, services, and support initiatives designed to improve the livelihood and opportunities of our members.
Loans for your Livelihood
From farming to small businesses and family needs, our loans are here to support your daily work and long-term goals.
Agricultural Loan
Specialized financial product crafted to offer assistance exclusively for agricultural ventures, lending support to farmers and agribusiness in their pursuit of their enhanced agricultural productivity and sustainability.
SHORT TERM
₱5,000 - ₱1,000,000
1-12 Months
TERMS
Lumpsum
PAYMENT
Housing Loan
Financial assistance to borrowers for residential, house construction, repairs or improvement and property acquisition.
LONG TERM
₱300,000 - ₱5,000,000
12-60 Months
TERMS
Monthly
PAYMENT
Personal Loan
To provide individuals with financial assistance for various personal needs, including appliances, covering of medical bills, addressing emergency needs, and supporting educational fees.
SHORT TERM
₱5,000 - ₱1,000,000
1-12 Months
TERMS
Monthly / Lumpsum
PAYMENT
Commercial/Business Loan
Financial assistance to borrowers for business purposes.
SHORT TERM
₱5,000 - ₱1,000,000
1-12 Months
TERMS
Monthly
PAYMENT
LONG TERM
₱300,000 - ₱5,000,000
12-60 Months
TERMS
Monthly
PAYMENT
Share Capital Loan
To provide members with the opportunity to utilize their share capital deposits for financial assitance.
SHORT TERM
₱5,000 - ₱5,000,000
1-12 Months
TERMS
Monthly / Lumpsum
PAYMENT
LONG TERM
₱300,000 - ₱5,000,000
12-60 Months
TERMS
Monthly
PAYMENT
Member in Good Standing Loan
Offered to eligible members who have maintained a positive payment history.
SHORT TERM
₱5,000 - ₱5,000,000
1-12 Months
TERMS
Monthly
PAYMENT
LONG TERM
₱300,000 - ₱5,000,000
12-60 Months
TERMS
Monthly
PAYMENT
Savings for Every Family
Build your savings step by step—with options designed for individuals, families, and even young members starting early.
Time Deposit
Regular Members
| Amount | 90 Days | 180 Days | 365 Days | |
|---|---|---|---|---|
| ₱10000 | ₱50000 | 1.50% | 1.75% | 2.25% |
| ₱50001 | ₱100000 | 1.75% | 2.00% | 2.50% |
| ₱100001 | ₱300000 | 2.00% | 2.25% | 2.75% |
| ₱300001 | ₱500000 | 2.25% | 2.50% | 3.00% |
| ₱500001 | ₱1000000 | 2.75% | 3.00% | 3.25% |
| ₱1000001 | ABOVE | 3.00% | 3.25% | 3.50% |
Special Time Deposit - Regular Members
| Minimum of ₱5,000,000 | 5.0% | 5 Years |
|---|
Associate Members
| Amount | 180 Days | 365 Days | |
|---|---|---|---|
| ₱50000 | ₱250000 | 1.50% | 1.75% |
| ₱250001 | ₱500000 | 1.75% | 2.00% |
| ₱500001 | ABOVE | 2.75% | 3.00% |
Kiddie Savers
| Children of Regular Members aged 0-12 Years Old | 3.0% |
|---|
Teen Savers
| Children of Regular Members aged 13-18 Years Old | 2.0% |
|---|
Kiddie Savers
Requirements
- Open to all kiddie dependents of Regular Members
- Aged 0-12 Years Old
- Initial Savings Deposit of P100
- Minimum Deposit to Earn Interest is P500
- Interest of 3.0% per annum computed quarterly
- Membership fee of P100
- Non-Taxable
- 10% service charge per transaction if withdrawn without reaching the age of 12 years old
- In case of accident/death, the parent/guardian shall assume responsibility of claiming the deposit of their dependents
₱600
Total Monetary Requirement
Teen Savers
Requirements
- Open to all teenage dependents of Regular Members
- Aged 13-18 Years Old
- Initial Savings Deposit of P200
- Minimum Deposit to Earn Interest is P1000
- Interest of 2.0% per annum computed quarterly
- Membership fee of P100
- Non-Taxable
- Non-withdrawal until the age of 18 years old
- 10% service charge per transaction if withdrawn without reaching the age of 12 years old
- In case of accident/death, the parent/guardian shall assume responsibility of claiming the deposit of their dependents
₱1,100
Total Monetary Requirement
Aflatoun Savers
Requirements
- Open to all bonafide students of LTVTP-MPC partner schools (Buyagan Elementary School, La Trinidad Central School, Puguis Elementary School))
- Aged 5-17 Years Old
- Initial Savings Deposit of P50.00 and minimum savings per receipt of P10.00
- Minimum Deposit to Earn Interest is P100
- Non-Taxable
- Interest rate is 1.0% per annum, computed quarterly
- In case of accident/death, the parent/guardian shall assume responsibility of claiming the deposit of their dependents
₱100
Total Monetary Requirement
Social Services You can Count On
In times of need, the cooperative stands with you through health support, emergency assistance, and educational aid for your family.
Hospitalization Aid Fund
Financial assistance given to members in terms of hospitalization. Health Aid Fund is renewable every year.
MINIMUM SHARE CAPITAL OF P20,000 AND ABOVE
₱ 8,000
OPERATION
₱ 5,000
CONFINEMENT (EXCEPT NORMAL DELIVERY)
MINIMUM SHARE CAPITAL OF P20,000 AND ABOVE
₱ 8,000
OPERATION
₱ 5,000
CONFINEMENT (EXCEPT NORMAL DELIVERY)
Requirements to Avail
- Confinement of at least 24 hours
- Submit original Medical Certificate or Proof of Billing
- Health Aid Fund contributions must be updated
- Benefit is claimable once per year
- Claims must be filed within one (1) year from confinement
Mutual Aid Fund
The provision of financial assistance to all the members during the period of grief within the family. Mutual aid fund is renewable yearly. Automatically renewed from the ICPR every distribution regardless of membership.
For members with a minimum share capital of ₱20,000 who have met the required years of membership
₱ 120,000
10 YEARS AND ABOVE
₱ 80,000
5 YEARS TO 9 YEARS
₱ 60,000
4 YEARS AND BELOW
For members with a minimum share capital of ₱19,000 and below, regardless of years of membership
₱ 30,000
X YEARS
Requirements to Avail
- Death certificate (Original or True Certified Copy)
- Proof of beneficiary (Birth certificate, Marriage certificate, etc)
- Any government-issued ID of declared beneficiary
Notes
- Only the declared beneficiary is entitled to claim the benefits.
- For new members, claims may be made after one (1) month of contestability.
- Claims must be filed within one (1) year from the date of death; otherwise, these will be forfeited.
Damayan Aid Fund
A voluntary contribution from members for every deceased member. Once the fund is depleted, members are required to replenish their Damayan Fund.
₱ 500
MINIMUM CONTRIBUTION
Twenty Pesos (P20) is deducted from the contribution of each subscribed member regardless of residency and share capital.
Requirements to Avail
- Death certificate (Original or True Certified Copy)
- Proof of beneficiary (Birth certificate, Marriage certificate, etc)
- Any government-issued ID of declared beneficiary
Educational Assistance
The scholarship grant is available to qualified and deserving children or dependents of Regular Members who hold at least 20 shares (₱20,000) and are in good standing with the cooperative.
Applicants must be enrolled in a recognized business-related course in a private Higher Education Institution (HEI) or State University and College (SUC) accredited by the Commission on Higher Education (CHED) within the Cordillera Administrative Region (CAR).
Other Services
Access everyday essentials—from stall spaces and parking to water services and on-site facilities that make your work easier.
Stalls Leasing
- Farmers Center, Puguis, La Trinidad, Benguet
- 47 Stalls
- ₱ 2,400 - ₱ 15,000 - Monthly rent depending on the area
Notes
- Vacant stalls are posted in our Official Facebook page.
- To interested members, submit a Letter of Intent to the BGSA or use our Contact Form
KAYA ATM (BancNet)
Access your funds conveniently through our KAYA Automated Teller Machine, connected to BancNet for withdrawals from partner banks nationwide.
Water Pumping & Shower Facilities
Stay refreshed with access to clean water, restrooms, and hot and cold shower facilities—designed for the daily needs of members at the trading post.
Memorial Lot
Plan ahead with memorial lot options through our partnership with Pyramid Memorial Park, offering condominium vaults and burial lots for your family’s peace of mind.
₱ 85,000
CONDOMINIUM VAULTS
₱ 130,000
MEMORIAL LOT
Discounted rates are available for members. Prices are subject to change without prior notice.
Start Your Journey with a Cooperative You Can Trust
Join a cooperative that is committed to your growth, supports your financial needs, and values your role in the community.
Whether you’re building your livelihood, expanding your business, or securing your future — LTVTPMPC is here to support you.