Products & Services
Tailored financial solutions designed to maximize your benefits and secure your future.
Savings & Deposits
Grow your wealth securely. Whether you are building an emergency fund, investing in your future, or managing business cash flow, we have the right account for you.
Shares Account
A mandatory account representing your ownership in ATCCU. Minimum share capital subscription is required. Dividends are paid out at the end of every financial year.
- Annual Dividend Returns
- Bonus Shares Eligibility
- True Ownership & Voting Rights
Savings Account
Our standard, high-yield savings account designed for everyday use and financial security.
- Minimum operating balance of GHC50
- Interest applied monthly/quarterly
- Free statement of accounts
- No maintenance charges
Business Account
A flexible account built to support the fast-paced transactions of your growing business.
- Unlimited transactions
- No limits on withdrawals/deposits
- Overdraft facilities available
- No minimum balance required
Micro Save (Susu Account)
A flexible daily or weekly savings scheme that builds discipline and helps you accumulate funds consistently over time.
- Daily or weekly contributions
- No minimum balance
- Simple & accessible
- Builds a savings culture
Kiddy Save
A dedicated children's savings account designed to grow with your child and secure their financial future from an early age.
- Open for minors
- Parental/guardian management
- Competitive interest rate
- Encourages early saving habits
Fixed Deposit Account
Lock in your funds for a fixed period and earn guaranteed, higher-than-standard interest rates with zero risk.
- Higher interest rates
- Flexible tenors available
- Guaranteed returns
- Ideal for goal-based saving
Loan Products
ATCCU provides loans for provident or productive purposes at highly competitive rates to support our members when they need it most.
Rates As Low As
5%
Salary Loan
23%Specialized loans with seamless repayments tied directly to your payroll for ultimate convenience.
Business Loan
24%Capitalize on new opportunities, expand operations, and purchase inventory with a dedicated business loan.
School Fees Loan
19%Invest in your children's future without the financial stress. Quick approvals for educational needs.
Micro Loan
19.5%Small, short-term financial boosts explicitly designed to help you cover immediate gaps in funding.
Funeral Loan
5%Compassionate, low-interest financial support to help you give your loved ones a befitting farewell.
Provident Loan
VariesIncludes Car loans, Building loans, Liquidity support, and Medical loans tailored to your specific life events.
Electronic Banking & Services
Manage your finances on the go. Our upcoming electronic banking suite includes seamless payment integrations and a secure Customer Dashboard where you can track your savings and loan statuses in real-time.
Access Customer Portal