Savings · Built to compound
Save with purpose
Set aside a part of every payday into Special Deposits or Regular Savings, and watch your contributions grow with the cooperative.
Why CEMCS
Built around how members actually use the cooperative
Four core surfaces, each tuned for clarity and speed.
Savings
Special Deposits and Regular Savings with transparent statements you can pull at any time.
Loans
Member-rate loans backed by your savings. Member guarantors, schedules tuned to your payday.
Investments
Fixed Deposits at higher locked-in rates. Monthly accruals, paid out at maturity.
Projects
Real estate, solar, and farm projects you co-own with fellow members.
Cooperative since '81
About CEMCS
A cooperative built around its members.
CEMCS is a member-owned cooperative society. We exist to help members save, borrow, invest, and co-own real assets — at terms that respect long-term relationships, not short-term margins.
- Member-owned cooperative — every member is a shareholder.
- Profits returned as dividends, projects, and lower borrowing rates.
- Decades of stewardship across savings, loans, and member projects.
- Branches across Nigeria, with one digital home for every service.
How it works
From signup to access in three steps
Designed to onboard members in minutes, not days.
- Register
Set up your profile in minutes. We confirm your details and email a link to set your password.
- Contribute
Start saving with Special Deposits or Regular Savings. Every contribution earns you cooperative benefits.
- Access
Apply for loans, lock in fixed deposits, co-own projects, and pay merchants with CPay — all from one dashboard.
Member voices
Cooperative finance, in their own words
I closed on my first apartment through a CEMCS project. Saved with the cooperative for years; the pay-out felt earned, not lucky.
The loan process was the calmest financial paperwork I've ever done. My guarantors confirmed in a tap.
I like that I can see exactly where my money is — savings, FDs, project units — without three different apps.