Shares

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. It is more than a financial product — it is your stake in the union's growth and future.

Shares & Membership

Minimum Share: GHS 500.00

Dividend on surplus

Benefits

Every cedi deposited into a share account buys you equal ownership in the

union and lets you participate in important decisions.

Co-Ownership

Holding shares entitles you to full membership and one vote in board elections, regardless of how much you have deposited.

Voting Rights

Instead of traditional interest, your shares earn a dividend — your portion of the union's annual surplus.

Dividends Over Interest

The required minimum share balance qualifies you to access loans from the union at affordable rates.

Access to Loans

The shares you have contributed serve as collateral until any loan you take is fully repaid.

Loan Collateral

Ready to become a member?

Visit our office in Accra or call us to start. We will guide you through the KYC and your first share purchase in one visit.

  • One-time share purchase: GHS 500
  • 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

Ordinary Shares

  • Any individual, group, corporate body or minor (with guardian)
  • Ghana Card (or guardian's Ghana Card for kiddy accounts)
  • Two passport picturesGPS address
  • Completed application form / KYC

The foundation of KAMCCU membership. One member, one vote, regardless of share balance.

Fees

Eligibility