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?

Benefits

• 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, and Health Insurance
• 24/7 access to your savings account from anywhere using Internet Banking and the 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.

Who Can Join

• 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.

How To Join

Online:

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.
• Please 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.

Requirements

• Official valid picture identification: Driver’s License, Elector Registration ID card (National ID), or Passport
• Tax Registration Number
• Completed Member Application Form
• Completed  Beneficiary Nominee (Nomination Form)
• Completed Member Privacy and Consent Form
• Completed Politically Exposed Person (P.E.P) Declaration for Individuals
• Completed Self-Certification of Residency Form
• Completed 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 the 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 is J$3,000.00.

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 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

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