Our Services

Tailored Financial Solutions
for Every Stage of Life

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Achieving your financial goals, together

What would you like to achieve?

Save

Borrow

Invest

Save

At Ziphakamise Co-operative Bank, we offer a savings options
designed to help you secure your financial future. 

Savings Account

Start saving today with our accessible Savings Account. With a minimum monthly contribution of R200.00, earn 4% interest per annum and enjoy the convenience of easy account access and EFT payments. A withdrawal fee of R70.00 applies, making it a simple and effective way to grow your savings

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Fixed Savings/
Investment Account

Commit to your financial growth with our Fixed Savings/Investment Account. Open with a minimum of R500.00 per month and enjoy a lucrative 7% interest per annum. Stay committed for at least 12 months to maximize your earnings. Early withdrawals revert interest to 4%, ensuring you stay dedicated to your savings goals.

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Borrow

We understand that financial needs can arise unexpectedly. Ziphakamise Co-operative Bank offers flexible loan options to help you meet your immediate and long-term financial goals

Long-Term Loans

Need significant financial support? Our Long-Term Loans offer up to 18 months of repayment with a 27.70% annual interest rate. After three months of consecutive savings, you can request a loan and benefit from personalized financial assistance. An administration fee of R60.00 per month applies.

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Quick
Loans

When you need immediate funds, our Quick Loan offers up to R2000.00 with a straightforward 10% interest rate and a R70.00 loan fee. Perfect for those unexpected expenses, get the financial help you need quickly and easily.

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Quick
Loans

For short-term financial needs, our Short-Term Loans provide up to R8000.00 with a flexible term of 1-6 months. With a competitive 5% interest rate per month, you can manage your expenses efficiently. Eligible after three months of consecutive savings.

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Invest

Build your wealth and secure your future with our investment option.

Obligatory
Shares

Become a valued member of Ziphakamise Co-operative Bank by purchasing two obligatory shares for R200.00 each. These non-withdrawable shares represent your equity in our community bank, with dividends paid based on our annual profit and loss. Invest in our future and share in our success.

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