golden harvest 


Q: How to become a member?

A: Persons applying for membership are required to:

Completely fill a membership application form Pay the minimum amount required Provide a valid id and trn Provide a proof of address ( utility bills, credit card statements)


Q: After becoming a member how soon can I apply for a loan?

A: You can apply for a loan after your first month’s deduction.


Q: Can I conduct my loan transactions at the rural branches?

A: Yes, you can process your transactions at any one of our three rural branches.


Q: Does a guarantor need to be present for my loan interview process?

A: Your guarantor is not required to come with you to your loan interview, they can come in after your interview to stand as surety for your loan.


Q: What documents do I need to take when applying for a loan within shares?

A: At minimum, you will need a valid id and your two last pay slips.


Q: Does JSCCCU offer joint accounts?

A: No, members are not allowed to have joint accounts.


Q: What are dividends?

A: Dividends are paid based on the surplus the company makes in each financial year. The surplus is distributed after approval of payments at the Annual General Meeting ( AGM).


Q: Can I use my ATM card to access funds from my shares?

A: No, your shares is not accessible from the ATM.


Q: Are my savings insured?

A: Yes, your shares and loans are insured through Cuna Mutual Insurance Company at no additional cost to you.


Q: What can I use as security for my loan above shares?

A: Any of the following may be used :

  • Motor vehicle
  • Insurance policy (cash value)
  • Cash (investments)
  • Co maker
  • Real estate property


Q: Can I use someone else’s collateral to secure a loan?

A: Yes, however the owner of the collateral must give written authorization.

Q: What is a debt service ratio?

A: A debt service ratio checks your ability to repay a loan, and have at minimum 20% on your pay advice as take home pay.

Q: How long does it take to process an unsecured loan?

A: Once you meet all the requirements, your loan application may be approved within an hour

Q: How long does it take to process secured loans?

A: Once all the required documents are presented, your loan application may take two weeks to be processed and approved.

Q: Who is a co maker?

A: A co maker is a member who pledges to use their savings as security in order for you to get a loan.

Q: How long does it takes to process a FIP Claim?

A: FIP claims are processed within 48 hrs providing that you submit all required documents.

Q: What documents do I need to submit to make a claim?

A: the required documents are; birth certificate, proof of death and claim form that is completed by the doctor that last attended to the person before death.



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