For a better view on C&WJ Co-operative Credit Union Ltd, Update Your Browser.

Become a Member

The number one Credit Union in Jamaica extends an open invitation for you to become a part of our Family. Let us help you improve your financial well-being and get you closer to achieving your financial goals. So why wait?


  • Participate in decision making through votes at general meetings
  • Earn high returns on investments and low interest rates on loans
  • Access to flexible products and services such as mortgage lending, auto loans, ordinary loans and same day loans, Cambio service, Health Insurance
  • 24/7 access to your savings account from anywhere using Internet Banking and Mobile App
  • Savings and Loan protection

At C&WJ Co-operative Credit Union, your concerns are our concerns and that is why we are family.


  • Employees & Ex-employees of companies that subscribe to telecommunication services in Jamaica.
  • Employees & Ex-employees of National Water Commission, ICD Group of companies, Celebration Brand and its Subsidiaries, and Cable & Wireless and Contractors.
  • Persons living or working in Clarendon, St. Elizabeth and Westmoreland.
  • Individuals recommended for membership by other members who live or work within a 25km radius of the Credit Union’s office and who are not being served by any other credit union (speak to your Branch Manager).
  • Relatives of members

If you are unsure about your eligibility to join C&WJ Co-operative Credit Union, please call 876-936-3800 or visit any of our twenty-one (21) locations island wide and our Customer Service Representatives will be happy to advise you.


In Branch:
  • Download, print and sign the Member Application Form
  • Ensure you have all supporting documents and identification as outlined in the requirements section below.
  • Take it to any branch closest to you. A customer service representative will assist you in completing the process after which you will be provided with your member number.


  • Official valid picture identification: Driver’s License, Elector Registration ID card (National ID) or Passport
  • Tax Registration Number
  • Complete the Character Reference Form.  Reference can be from any two of the following: Directors or Volunteers of the Credit Union, Staff or Members of the Credit Union in good standing, Justice of the Peace (must bear embossed seal), Minister of Religion (must bear stamp), Employer, Other prominent professionals known to applicant (e.g. Teacher, Doctors, Lawyers, Credit Union Managers, Civil Servants, etc.)
  • Proof of Address (any one of the following): Current utility bill or Postmarked envelope (not more than 3 months old) with the applicant’s name and permanent address, Current credit card statement (no more than 3 months old), Government property tax receipt (not more than 1 year old) duly stamped by the Collectorate.
  • Job letter stating salary or last salary advice (monthly, fortnightly – 4, weekly – 8)
  • Minimum amount for opening $2,600.00.

When you join C&WJCU through a particular company, you remain a Member, even if you change employment. However, you must have a minimum of Two Thousand Dollars ($2,000) in your Member Qualification Share Account in order to retain membership. We encourage you to keep your account active by doing regular transactions in your Ordinary Share account.

FAQ - How to Become a Member Using the Simplified Due Diligence Method

Click here to learn more.