Home – WMMC Cooperative

Who We Are

Guided by purpose, driven by service

Our Mission

WMMCooperative is committed to advancing financial literacy and enhancing the social and financial well - being of members. We achieve this by delivering essential and innovative cooperative products and services that contribute to a better quality of life and foster positive community impact.

Our Vision

A pioneering provider of social and financial cooperative services.

Core Values

WWisdom

MMission-Driven

MMotivated

CChrist-Centered

OOpen-Minded

OOptimistic

PProfessionalism

Products and Services

Comprehensive financial solutions designed for your growth.

Regular Savings Deposit

A secure and convenient account for everyday savings

2% per annum

Term Deposit

(Minimum of ₱5,000.00)

3-5 months (5% per annum)
6-9 months (5.5% per annum)
9-12 months (6% per annum)

Special Term Deposit

(Minimum of ₱10,000.00 and above)

2 years (7% per annum)
3 years (8% per annum)
4 years (9% per annum)
5 years (10% per anuum)

Kiddie & Youth Savings Deposit

Kiddie Savings (Ages 0–12) Youth Savings (Ages 13–17)

4% per annum

Progressive Savings Deposit

Designed for ages 0–17, with double interest after 6 years of no withdrawals

4% per annum

My Future's Fund (MFF)

My Dream. My Goal. My Future

₱1,000 Monthly. 5 Years to Build. 2 Years to Wait. Up to ₱100,000 at Maturity.

My Future's Fund Express (MFF-Express)

My Dream. My Goal. My Future

Minimum ₱500 monthly. Build for 3 years, then wait 2 years. Total deposits of ₱18,000 grow to a guaranteed maturity payout of ₱24,000.

Loans

Access affordable financing to help you achieve your goals with confidence.

Personal Loan
Business Loan
Agricultural Loan

Humate Grow

Best Partner for Farmers

₱250.00 per sachet

Membership Plans

Choose a plan that fits your financial goals.

Laboratory Cooperative

₱100.00

Age Range: Any - 18

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Initial Membership (Without Insurance)

₱1,300.00

STARTER MEMBER TIER

Share Capital: ₱1,000.00
Savings Account: ₱100.00
Membership Fee: ₱100.00
Annual Due: ₱100.00

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Initial Membership (With Insurance)

₱2,300.00

BASIC MEMBER TIER

Share Capital: ₱1,000.00
Savings Account: ₱100.00
Membership Fee: ₱100.00
Annual Due: ₱100.00
Insurance: ₱500.00
Solid Shield: ₱500.00

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Full Pledge Membership (For 18-65 Years Old)

₱5,300.00

PREMIUM MEMBER TIER

Share Capital: ₱4,000.00
Savings Account: ₱100.00
Membership Fee: ₱100.00
Annual Due: ₱100.00
Insurance: ₱500.00
Solid Shield: ₱500.00

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Full Pledge Membership (For 66 & Above)

₱8,200.00

GOLDEN MEMBER TIER

Share Capital: ₱4,000.00
Savings Account: ₱2,000.00
Membership Fee: ₱100.00
Annual Due: ₱100.00
Solid Shield: ₱2,000.00

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Our Journey

Major milestones in our cooperative's growth and development.

2022

The Beginning of a Shared Vision

Western Mindanao Credit Cooperative (WMCCoop) was officially registered with the Cooperative Development Authority (CDA) on February 18, 2022. Founded by 39 pioneering members with an initial paid-up capital of ₱820,000, the cooperative officially began operations on March 18, 2022 in Molave, Zamboanga del Sur. Established to promote financial inclusion, cooperative values, and community development, WMMCoop laid the foundation for empowering individuals and families through accessible financial services.

2023

Rapid Growth and Financial Innovation

Within its second year, the cooperative experienced remarkable growth in membership and financial performance. Membership more than doubled, reflecting the increasing trust and confidence of the community. To further strengthen member protection, WMMCoop introduced the Solid Shield Account, an innovative financial assistance program that provides automatic Damayan benefits to the families of deceased members. This initiative reinforced the cooperative's commitment to mutual aid, financial security, and member welfare.

2024

Transformation into a Multipurpose Cooperative

Recognizing the changing needs of its growing membership, the cooperative amended its By-Laws in November 2024 to expand beyond traditional credit and lending services. It officially changed its name from Western Mindanao Credit Cooperative (WMCCoop) to Western Mindanao Multipurpose Cooperative (WMMCoop), marking a significant milestone in its history. The expansion introduced new business ventures, including consumer products, computers, mobile phones, appliances, accessories, and dairy services, enabling members to access quality products at affordable prices while strengthening the cooperative's sustainability.

2025

Expanding Opportunities and Community Impact

Building on its transformation, WMMCoop continued broadening its services and increasing its impact across the communities it serves. The cooperative enhanced financial literacy programs, expanded access to affordable loans, strengthened livelihood opportunities, and diversified member services. These initiatives empowered entrepreneurs, farmers, employees, and families to improve their financial well-being while contributing to local economic development and community resilience.

2026

Building a Stronger Future Together

Today, WMMCoop proudly operates one Main Office and Four Satellite Offices, bringing cooperative services closer to more communities across the region. Guided by its mission of improving the quality of life of its members, the cooperative continues to innovate, diversify its services, strengthen financial sustainability, and promote inclusive growth. As it looks toward the future, WMMCoop remains committed to becoming one of Western Mindanao's leading multipurpose cooperatives, creating lasting value for its members and the communities it serves.