Savings & Investment Products

Thrift Savings Plans

Choose the savings plan that fits your lifestyle and income pattern

Daily Thrift Savings

8% p.a.

Perfect for daily income earners, traders, and artisans. Save small amounts daily and watch your wealth accumulate steadily.

Minimum deposit: ₦100/day
Interest rate: 8% per annum
Flexible contribution
Withdrawal after 6 months
Loan eligibility after 3 months
Mobile collection service

Start Saving Daily

Flexible

Weekly Savings

10% p.a.

Ideal for salary earners and professionals. Contribute weekly and enjoy better returns with more flexibility.

Minimum deposit: ₦1,000/week
Interest rate: 10% per annum
Auto-deduction option
Withdrawal after 4 months
Immediate loan access
Bonus on consistent savings

Start Saving Weekly

Best Returns

Monthly Savings

12% p.a.

Maximum returns for regular savers. Perfect for consistent monthly contributions with highest interest rates.

Minimum deposit: ₦5,000/month
Interest rate: 12% per annum
Standing order supported
Withdrawal after 3 months
Priority loan processing
Annual bonus rewards

Start Saving Monthly

Investment Opportunities

Grow your money faster with our high-yield investment products

Fixed Deposit Savings

Up to 15% p.a.

Lock in high interest rates by committing your funds for a fixed period. The longer the tenure, the higher the returns.

Minimum deposit: ₦50,000
6 months: 12% interest
12 months: 13% interest
18 months: 14% interest
24 months: 15% interest
Guaranteed returns
Auto-renewal option

Open Fixed Deposit

Asset Acquisition Fund

12-18% Returns

Invest collectively in real estate and valuable assets. Share in rental income and capital appreciation.

Minimum investment: ₦100,000
Expected returns: 12-18%
Investment period: 12-36 months
Property ownership certificates
Rental income distribution
Capital appreciation
Exit options available

Invest in Assets

Agriculture Investment Scheme

15-20% per cycle

Invest in profitable agricultural projects - poultry, fish farming, crop cultivation. Enjoy excellent returns in 4-8 months.

Minimum investment: ₦50,000
Expected returns: 15-20%
Investment cycle: 4-8 months
Poultry farming projects
Fish farming ventures
Crop cultivation schemes
Professional farm management

Invest in Agriculture

Target Savings

10% p.a.

Save towards specific goals - car purchase, house rent, education fees, wedding. We help you stay disciplined and achieve more.

Flexible contribution amounts
Interest rate: 10% per annum
Goal-oriented approach
Automated reminders
Penalty-free early withdrawal
Bonus on goal achievement
Financial planning support

Set Your Target

Eligibility & Requirements

Simple requirements to start your savings journey

Who Can Apply?

Nigerian citizens aged 18 and above
Resident in Nigeria
Active cooperative member
Valid identification
Verifiable contact information

Required Documents

Valid ID card (National ID, Voter's Card, Driver's License, or Int'l Passport)
Passport photograph
Proof of address (Utility bill)
Filled application form
Initial deposit/contribution

Frequently Asked Questions

Everything you need to know about our savings and investment products

How safe are my savings with Divine Cooperative?

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Your savings are highly secure with us. We are a fully registered cooperative society with the Federal Ministry of Commerce & Investment. We maintain strict financial controls, regular audits, and member protection insurance. Your funds are professionally managed and transparently reported.

Can I withdraw my savings before maturity?

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Yes, you can withdraw from most savings plans after the minimum holding period (3-6 months depending on the plan). For fixed deposits, early withdrawal may attract a penalty, but emergency withdrawals are permitted under special circumstances. Target savings allow penalty-free withdrawals.

How is interest calculated and paid?

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Interest is calculated monthly on your average daily balance and compounded annually. For thrift savings, interest is added to your account at the end of each year. For fixed deposits, you can choose to receive interest monthly, quarterly, or at maturity. All interest rates are competitive and clearly stated upfront.

What happens if I miss a contribution?

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We understand that financial situations can change. Missing occasional contributions won't close your account, but consistent saving maximizes your benefits and loan eligibility. You can always make up for missed contributions. Our team is here to help you stay on track with your savings goals.

Can I have multiple savings accounts?

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Absolutely! Many members maintain multiple accounts - for example, daily thrift savings for regular income, monthly savings for salary, and fixed deposits for long-term wealth building. You can also combine regular savings with investment products like agriculture funds or asset acquisition schemes.

How do I track my savings and earnings?

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You receive regular statements (monthly or quarterly) showing all your contributions, interest earned, and current balance. You can also visit any of our offices or contact our customer service team for real-time balance inquiries. Our mobile app (launching soon) will provide 24/7 access to your account information.

What are the tax implications of my savings?

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Interest earned on your savings is subject to withholding tax as per Nigerian tax laws. We automatically deduct and remit applicable taxes to the relevant authorities. You will receive documentation for your tax records. Consult with a tax professional for personalized advice on your specific situation.

Can I transfer funds between my different savings accounts?

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Yes, you can transfer funds between your various savings and investment accounts. Simply visit our office or contact customer service to initiate transfers. Some restrictions may apply to fixed deposits and investment products during their lock-in periods.