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Membership

The Cayman Islands Civil Service Association (CICSA) Co-operative Credit Union Limited proudly serves its members by helping them grow their savings and offering affordable loan products

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87
New Members
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20468
Total Members
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1999
Youth Members
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11590
Female Members
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8878
Male Members

Why Join?

Chase your dreams affordably

The Cayman Islands Civil Service Association (CICSA) Co-operative Credit Union Ltd. is a member-based financial co-operative. We are here to support our members with affordable financial services, rewarding savings options, and fair, flexible loans because your success is our shared goal.

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Ownership & Voting Rights: As a Credit Union member, you are more than just a customer, you are an owner. Members have a voice in how the Credit Union is run, including the right to vote, attend general meetings, and elect the Board of Directors and Committees.
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Profits Returned to You: Unlike traditional banks, Credit Unions are not-for-profit but for service. That means surplus earnings are returned to you, our members, through better rates, improved services, and annual dividends, not to shareholders.
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Member-Focused Governance: The Credit Union is governed by its members, ensuring that every decision is made with your best interests in mind. This unique structure keeps the focus on people and community, not profit.

How To Join

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Membership Eligibility
Not sure if you're eligible to join? Take a moment to check our membership criteria before you apply.
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Membership Orientation
Before submitting your application, you must attend a New Member Orientation session. These sessions are held virtually and provide important information about the benefits and responsibilities of being a Credit Union member.
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Submit Your Application
If you are eligible for membership and have completed the pre-orientation session, you can submit your application electronically using the “Join Now” option below.

Need Support?

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Become a Member
Get access to better rates, personalized service, and a community-driven approach to financial health.
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Contact Us
Need to speak with someone? Our friendly Member Services team is here to help.
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Chat with an Agent
Got a quick question? Start a live chat with one of our team members.
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Advice
Looking to save smarter or borrow with confidence? Speak with our advisors for personalized financial guidance.

Testimonials

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I enjoy lower loan interest rates and higher saving rates on savings and dividend returns. Our Credit Union holds a powerful and respectful presence on our Island and brings no reputational risk to the Islands. The Board of directors and faculty are...

Carmilee

Member-Owner

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My name is Brooke Bodden, and I have been a member of the Credit Union for less than a year. As a young Caymanian who is under 18, Credit Union has allowed me to flourish by providing me with a young saver’s account, allowing me to securely receive...

Brooke Bodden

Member-Owner

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I am a retired career Civil Servant, member of about 45years with my beloved Credit Union. It has encouraged me to save and borrow with much ease and minimal charges. When I go to the Credit Union, I feel at home and not like 'just a customer.' I...

Delvina

Member-Owner

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I love our credit union because it always helps its members. Our credit union also helps us to save. And give you benefits that none of the commercial banks gives you.

Dwight

Member-Owner

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I love Credit Union because I get to save while paying my loan, I get paid dividends on my share account with returns higher than other banks, and I love that the online banking is so simple and user friendly.

Dwayne

Member-Owner

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I can remember joining the Credit Union when l first came on August 25th 1996 to teach at Savannah. My girls had benefited re grants when they started University, and also during Hurricane Ivan. Assistance, encouragement, and a sure help re...

Audrey

Member-Owner

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In a world of financial temptations, my Credit Union has become my trusted ally in the journey to save and secure my financial future. I consciously chose not to acquire a bank card to prevent impulsive spending. My Credit Union has become a symbol...

Eustache Placide

Member-Owner

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Because is the best corporation on the island, trusted and always work for the best for the customers I love credit union.

Gladys

Member-Owner

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Thank you, Credit Union. You went above and beyond our expectations. Mrs. Angelita Small – You Help me, you help us. My son Kayden was about 4, turning 5 at the time. Had to be airlifted to Miami Baptist. We had 2 days to figure out where we would...

Elena Bazil

Member-Owner

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I love Our Credit Union; I love it oh so much. The products and the service is the best it is top-notch. I love the friendly faces with smiles that know no ends, and when December comes I love the dividends, in a jam and need some urgent funds? I...

Janelle

Member-Owner

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The Credit Union has helped me save by allowing me to take full control of my salary. When I was banking with competitors, I didn’t value the money the way I do with CU. Now that I have two separate accounts, both Savings and Shares, it has taught...

Jada Elliott

Member-Owner

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Credit Union can get a lot of flack for the long lines and wait times, but I know first-hand that every time I enter into the building, I am always greeted warmly, and I am provided with excellent service. Credit Union enables me to be able to pay...

Jessica Pawlik

Member-Owner

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I love my Credit Union, because they are friendly, the process is efficient, and they are always thinking of ways to meet the needs of their members, and best of all they encourage you to save.

Jevoli

Member-Owner

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The love relationship I share with Credit Union from a customer's view is a very open-door family feeling. Credit Union can never be labelled as just any bank. It overshadows what other banks refuse to do. They work with you! I always feel at home,...

Jodene

Member-Owner

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Credit Union(CU) is the place to be! Three reasons why I love My Credit Union: Love the Staff- this is a triple complement- each time I walk through the doors I am kindly and pleasantly greeted by security, and I get to see familiar face all the...

Jodiann

Member-Owner

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Staff are very reliable and helpful. I always get a quick response regarding any need or application I submit. I love credit union because I never had a bad experience and the customer service team is very helpful and responsible toward customers.

Michelle

Member-Owner

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Because of the staff. Every interaction is always pleasant, polite and friendly. They always know the answers to any questions and in the past had gone the extra mile to assist even when it wasn't expected. The truest form of Cayman Kind.

Kayla

Member-Owner

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When it came to purchasing my first property, my Credit Union was clearly the institution that I should go to. With an attractive low-interest rate of 6.50% per annum and the ability for me to earn dividends on my own contributions, I knew I was...

Jordan Grant

Member-Owner

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I have been a member of the Credit Union for two years. The Credit Union helps me save my money by allowing me to place my money in the Credit Union and also to receive interest, knowing that my money is safe. I have also started a new YouTube...

Phoenix Singh

Member-Owner

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Credit Union will at all times do everything possible to help or assist members with any issues faced with. They are very efficient, reliable, quick with their responses and caring. They find and create different ways for members to get the help...

Paulette

Member-Owner

FAQs

Find quick answers to the most common questions about your membership, accounts, services, and how to make the most of your Credit Union experience.

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Personal Loans
Based on your income, credit history, and collateral. Repayment terms can go up to a maximum of 20 years.

Apply Now
Within a few business days after approval.
No, you can repay early without penalty.
Car Loans
Yes. Email [email protected] to schedule a pre-approval appointment.
Up to 100% financing is available. In some cases, a down payment may be required.
Yes, Financing is available for both used and new vehicles.
Xpress Overdraft Loans
Interest is charged only on the amount used. Some fees may apply. Speak to a Loans Officer.
Yes. Each application is reviewed individually.
Through fixed monthly repayments over the loan term.