Answers to the questions we hear most from traders and business owners considering TCCU membership.
Who can join TCCU?
Traders, market vendors, and business owners who meet our membership criteria. Membership is open and inclusive — we welcome anyone devoted to building their business and securing their financial future.
How do I apply for a loan?
Visit our Loans page for products and next steps, or contact us directly and our team will guide you through the stress-free application process.
Where can I find branch information?
Use our Find a Branch page for locations and hours as they are updated.
What is the Founding 1,000 Members Programme?
It's TCCU's launch initiative to welcome our first 1,000 member-owners. Founding members purchase shares from a minimum of GH¢300, gaining ownership, a voice in decisions, and priority access to member products as we grow.
How much does it cost to become a member-owner?
The minimum share purchase is GH¢300. Your share makes you part of the ownership of TCCU and is a one-time step toward lifelong membership benefits.
What documents do I need to apply?
You'll need to submit a written application using our prescribed membership form and designate a beneficiary for your shares and savings. Visit any branch or contact us and our team will guide you through it.
Can I access my account without a smartphone?
Yes. Dial *920*91# from any mobile phone to access USSD banking — no internet or smartphone required.
Do shares earn dividends?
Yes. Member shares can earn dividends over time, in addition to giving you ownership and a greater borrowing capacity as a shareholder.
