Empowering Members Through Financial Inclusion
Welcome to NBTE Co-operative Investment and Credit Society Limited - your trusted partner in savings, affordable loans, and wealth-building opportunities. Together, we grow stronger through mutual support and financial empowerment.
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Years of Service
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Active Members
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Member Satisfaction
Dedicated to the Financial Well-being of Our Members
NBTE Co-operative Investment and Credit Society Limited is a member-driven financial institution committed to improving the economic welfare of staff through savings, accessible loans, and profitable investments.
For over a decade, we've empowered our members with flexible credit facilities, convenient thrift savings options, and sustainable investment opportunities. Our cooperative operates on transparency, trust, and collective progress.
Thrift Savings
Encouraging a culture of disciplined savings with competitive returns and easy access.
Affordable Loans
Quick and convenient loan access to meet personal and emergency needs.
Investment Opportunities
Secure and viable investments that grow members’ contributions and yield annual dividends.
Member-Centric Governance
Managed by members, for members - with transparency, integrity, and accountability.
Our Cooperative Process
Transparent and Member-Focused Financial Services
At NBTE Co-operative Investment and Credit Society Limited, we follow a structured and transparent process that ensures members enjoy easy access to savings, loans, and investment services.
Every step we take is designed to empower our members financially, build trust, and promote responsible financial habits within our community.
Member Registration
Interested staff complete a simple registration process to join the cooperative and begin their financial journey.
Monthly Contributions
Members make regular monthly savings or thrift contributions which form the foundation of their benefits and eligibility.
Loan Application & Processing
Qualified members can apply for loans with flexible terms and quick processing designed around their needs.
Monitoring & Support
Our team provides ongoing financial advice, monitors repayments, and ensures members get the best from their contributions.
Dividend Distribution
At the end of each financial year, members receive dividends based on their contributions and the cooperative’s overall performance.
Our Services
Loan Facilities
We provide affordable and accessible loan packages to our members to support personal, business, and emergency needs.
- Soft Loans
- Emergency Loans
- Project Loans
Savings & Investments
Our savings and investment platforms are designed to help members grow wealth through consistent contributions and dividends.
- Regular Savings
- Fixed Deposits
- Cooperative Investment Schemes
Welfare & Support
We prioritize the welfare of our members through supportive programs that promote wellbeing and community solidarity.
- Emergency Support
- Educational Aid
- Retirement Benefits
Real Estate Support
NBTE Cooperative supports property acquisition and housing development initiatives for members at affordable rates.
- Land Purchase Schemes
- Mortgage Support
- Housing Partnerships
Financial Education
We empower members with knowledge through workshops, seminars, and newsletters on personal finance and cooperative growth.
- Budgeting Workshops
- Investment Literacy
- Financial Planning
Member Services
We ensure smooth cooperative operations by offering efficient services for member registration, loan applications, and account updates.
- Member Registration
- Account Management
- Digital Access to Records
Why Choose Us
Why Choose NBTE Co-operative Investment and Credit Society Limited
We are committed to empowering our members through reliable financial services, promoting savings culture, and offering accessible loan opportunities to enhance economic well-being.
With a solid foundation built on integrity, trust, and transparency, we have consistently provided value-driven services to civil servants and members nationwide. Our co-operative is more than a financial institution — it's a community that grows together.
Trusted Legacy
Established with a vision to uplift members financially, we have built a solid reputation through years of service and dedication.
Financial Empowerment
We offer strategic financial solutions — from savings schemes to quick-access loans — tailored to support the unique needs of our members.
Efficient Services
Our processes are designed for simplicity and speed, ensuring timely service delivery and responsive member support.
Accountability & Transparency
We operate with integrity and openness, keeping members informed and confident in every financial decision made on their behalf.
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Member Satisfaction
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Loans Disbursed
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Years of Service
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States Reached
Frequently Asked Questions
Who can become a member of NBTE Co-operative Investment and Credit Society Limited?
Membership is open to employees of NBTE and other eligible individuals approved by the Society's management. New members must complete a registration form and agree to the terms and conditions of the cooperative.
What types of loans are available to members?
We offer a range of loan products, including emergency loans, personal loans, and long-term development loans. Each loan type has its own interest rate, repayment terms, and eligibility criteria.
How are savings managed within the cooperative?
Members contribute savings monthly through payroll deduction or direct payment. These savings are pooled and used to provide loans and generate dividends for members annually.
When and how are dividends paid?
Dividends are calculated at the end of the financial year and distributed during the Annual General Meeting (AGM). The amount paid is based on each member’s total savings and the Society’s annual surplus.
Can I withdraw my membership or savings at any time?
Members may withdraw their membership by giving formal notice in writing. Withdrawal of savings is subject to cooperative policy, which ensures that outstanding obligations are settled before exit.
Can't find an answer to your question?
If you have more questions or need personalized assistance, please feel free to reach out to our support team. We are here to help you get the most out of your membership.
Contact UsContact
Contact Information
If you have any questions about our services, savings plans, loan products, or membership registration, feel free to get in touch with us at NBTE Co-operative Investment and Credit Society Limited.
Email:
info@nbtecics.org
Phone:
+234 807 072 0679
Address:
NBTE, Plot B, Bida Road Opposite Kaduna State Library.
Kaduna, Nigeria