St. Martin De Porres CCU
The Happy Family
The terms governing your use of this website and our online membership application.
By accessing or using stmartindeporresccu.com (the "Site"), operated by St. Martin De Porres Co-operative Credit Union Ltd. ("SMDPCCU", "we", "us", or "our"), you agree to these Terms & Conditions. If you do not agree, please do not use the Site.
The Site provides general information about SMDPCCU's products and services, financial calculators for illustrative purposes, and an online form to begin the membership application process. The Site does not allow you to open an account, deposit funds, or complete identity verification entirely online – all account openings require an in-person visit to one of our branches for signature and initial deposit.
Loan and Fixed Deposit rates, and results from the Loan Eligibility Checker and Fixed Deposit Calculator on this Site, are indicative and provided for general guidance only. They do not constitute a loan offer or deposit contract. Actual rates, terms, and eligibility are confirmed by our staff at the point of application and are subject to change without prior notice on the Site.
Submitting the online application form does not create membership or any banking relationship. It is a preliminary step that allows our staff to prepare your file ahead of your branch visit. You are responsible for ensuring the accuracy and completeness of the information you submit. We may decline or request further information for any application at our discretion, consistent with our membership policies and applicable cooperative credit union regulations.
We aim to keep information on the Site accurate and up to date but do not warrant that all content is free of errors or omissions. Please confirm current rates, requirements, and opening hours with a branch before making financial decisions.
The Site uses the following third-party services, each governed by its own terms: Formspree (form submission processing), Tawk.to (live chat), Google Maps (branch directions), and WhatsApp (messaging). We are not responsible for the availability or content of these third-party services.
All content on this Site, including text, images, and the SMDPCCU logo, is the property of St. Martin De Porres Co-operative Credit Union Ltd. or its licensors and may not be reproduced without our written permission, except for personal, non-commercial reference.
To the fullest extent permitted by law, SMDPCCU is not liable for any indirect, incidental, or consequential loss arising from your use of the Site, including reliance on calculator results or rate information that is later revised.
These Terms are governed by the laws of the Republic of Ghana. SMDPCCU is regulated by CUA Ghana.
We may revise these Terms from time to time. Changes take effect once posted on this page with a revised "Last updated" date.
Questions about these Terms can be directed to:
St. Martin De Porres Co-operative Credit Union Ltd.
Atonsu, Monaco Junction, Kumasi, Ghana
Phone: 020 229 0588
Email: enquiries@stmartindeporresccu.com