Products · Shares & membership
Buy a share. Own the union.
A share is a monetary deposit to KAMCCU that makes you a member and part-owner of the credit union. From a GHS 500 minimum — payable over six months — it is more than a financial product: it is your stake in the union's growth and future.
- Minimum share
- GH₵ 500
- Votes per member
- 1
- Last dividend
- 10%
What your share buys you
Five things a bank account can't give you
Every cedi deposited into a share account buys you equal ownership in the union and lets you participate in the decisions that shape it.
Co-ownership
Every cedi deposited into a share account buys you equal ownership in the union — you are a part-owner, not just a customer.
Voting rights
Holding shares entitles you to full membership and one vote in board elections, regardless of how much you have deposited.
Dividends over interest
Instead of traditional interest, your shares earn a dividend — your portion of the union's annual surplus, declared at the AGM.
Access to loans
The required minimum share balance qualifies you to access loans from the union at affordable rates.
Loan collateral
The shares you have contributed serve as collateral until any loan you take is fully repaid.
Ordinary Shares
One member, one vote
The foundation of KAMCCU membership — equal say for every member, regardless of share balance.
How shares work
GHS 500, on your terms
Your shareholding is a one-time purchase, not a recurring fee — and you don't have to pay it all at once.
- One-time share purchase: GHS 500 minimum
- Members may start below the minimum and complete it within six months
- No monthly maintenance on the share account
- Dividend is declared annually at the AGM
Who can buy shares?
Membership is open to individuals, groups, corporate bodies — and even minors through a guardian.
- Any individual, group, corporate body or minor (with a guardian)
- Ghana Card (or guardian's Ghana Card for kiddie accounts)
- Two passport pictures
- GPS address
- Completed application form / KYC
Ready to become a member?
One visit is all it takes
Visit our office in Accra or call us to start. We will guide you through the KYC and your first share purchase in a single visit — or begin online and finish at the branch.
Shares FAQ
Ownership, explained
More questions? Call +233 302 247 164 or email info@kamccu.com.
What is a KAMCCU share?
A share is a monetary deposit to KAMCCU that makes you a member and part-owner of the credit union. The minimum shareholding is GHS 500, and it is your stake in the union's growth — it earns an annual dividend rather than interest.
Do I have to pay the full GHS 500 at once?
No. You can start below the GHS 500 minimum and complete your shareholding within six months. There is no monthly maintenance fee on the share account.
How are dividends different from interest?
Interest is a fixed return on a deposit; a dividend is your portion of the union's annual surplus. KAMCCU declares the dividend each year at the Annual General Meeting, so when the union does well, members do well.
Does owning more shares give me more votes?
No. KAMCCU operates on the co-operative principle of one member, one vote. Whether you hold the minimum GHS 500 or far more, your voice in board elections and AGM decisions counts equally.