Financial solutions tailored for you
From flexible savings accounts to agricultural financing, we offer comprehensive financial products designed to meet your personal and business needs.
Secure your future with our savings accounts
Build wealth steadily with our range of savings products designed for every stage of life.
Daily Savings (Njangi)
Our mobile collectors visit your home or business daily. Perfect for market traders and small business owners.
- No minimum deposit
- Daily doorstep collection
- Flexible withdrawals
Deposit Account
Standard savings account for regular deposits and withdrawals. Ideal for building emergency funds.
- 50,000 FCFA to open
- Counter service access
- Competitive interest rates
Children's Account
Build your child's financial future early with parent-supervised accounts and special benefits.
- For children under 18
- Parent/Guardian managed
- Financial literacy training
Special Savings Plans
Goal-based savings for weddings, holidays, or major purchases with higher interest rates.
- 6–24 month terms
- Set your target amount
- Higher interest earned
Flexible financing for every need
Access credit with competitive rates and flexible repayment terms designed for your circumstances.
Personal Loans
For home improvements, family events, or unexpected expenses
School Fees Loans
Pay tuition, books, and education expenses with ease
Emergency Loans
Fast-access funds for medical emergencies and urgent needs
Building Loans
Finance construction, renovations, or property improvements
Business Loans
Capital for expansion, inventory, and equipment needs
Transport Loans
Finance motorcycles (Okada), vehicles, or transport business
Specialized financing for farmers
Supporting Widikum's agricultural community with favorable terms and expert guidance.
Agricultural Production Financing
Comprehensive financing for farmers engaged in production, processing, and agricultural input acquisition. Aligned with farming seasons.
Requirements
- Detailed project plan
- Collateral (land title, etc.)
- Active membership
- Good savings history
Eligible Activities
- Cocoa, coffee, palm oil
- Livestock farming
- Agricultural processing
- Seeds, fertilizer, equipment
Agricultural Development Financing
An agricultural loan granted by the Ministry Economy, Planning and land planning to common initiative groups (CIG) that are involved in agriculture/farming.
How to get the loan
- Be a registered group with a CIG certificate
- Open an account with Widikum Cooperative Credit Union
- Save 25% of the amount you want to loan
- Draw a business plan of the activity you want to carryout
- Have a good project site/location
- Get an application form from WIDCCUL and apply
- Present an original copy of your collateral security
Benefits
- Zero interest loans
- Government backed financing
- Agricultural support
- Development planning assistance
More ways we can help
Beyond savings and loans, we provide essential financial services for the community.
Money Transfers
Send and receive money through Western Union, MTN Mobile Money, and Orange Money. Fast, secure, and convenient.
Salary & Pension Payments
Receive your salary or pension directly into your WIDCCUL account. Easy access and secure storage of your earnings.
Group Loans
Financing for registered groups and associations. Pool resources and access larger loans together as a community.
Ready to get started?
Join WIDCCUL today and access savings, loans, and financial services designed for the Widikum community. Open your account with just 50,000 FCFA.